Cash Flow Planning
Securing your financial future doesn’t mean just planning for the long term, it also means having a plan for the short term. We work with you to develop an income/expense analysis that provides critical information about your existing cash flow, and gives you the context to make adjustments as needed. Our financial planning helps you achieve clarity about your big-picture goals, and our Stashboard ensures that you have up-to-the-minute access to your financial picture.
With the rising costs of higher education, planning for education expenses has become increasingly important. We help you set up a plan that provides an education for your children or grandchildren — without sacrificing your goals for the future. We discuss how you would like to support your children’s education and savings options to determine the best strategy.
By choosing Castle Rock to assist with your estate planning, you can be confident that every detail will be addressed so your exact wishes can be carried out. We work with your attorney to update your beneficiaries on all accounts. We advise you on trusts or gifting strategies that may ease the tax burden on your loved ones.
During this planning process, we help facilitate conversations between you and those who will play an important role in carrying out your legacy. We make these conversations as easy as possible to help guarantee that your wishes are understood.
What if you could retire how you want to, when you want to? You can — with the right retirement plan. We start by asking questions about your retirement goals, then look at the best ways to achieve them. By gathering your information and centralizing it, we ensure that you’re not exposed to unnecessary risk or delays. Because careers have such a huge impact on individual identity, we also recognize that retirement includes non-monetary challenges. That’s why our network includes a psychologist and coach, who help you identify the significant parts of your career and how they can be fulfilled outside of work. We want you to be equipped with all the tools to look forward to the next chapter in your life.
Having insurance is just the first step to making sure that you, your assets, and the people you care about are covered if something unexpected happens. We review your home, life, health, and disability plans to identify gaps or inconsistencies in your coverage. Often we can suggest insurance agents that specialize in specific types of insurance to assist in making educated decisions.
If not anticipated, taxes can be a major obstacle on your financial path. We work with your accountant to identify areas where you can save money on your taxes, as well as helping you develop a clear plan to meet those tax burdens. We understand tax laws and stay current on changes that might impact you.
Discover our investment management services, which we offer in addition to the financial planning services listed above.