CORE

• Short and Long-Term Financial Projections – You need answers for today’s challenges and a plan for tomorrow. Projections help you understand the long-term impact of today’s choices, so you can make more informed financial decisions that reflect your unique situation. 

   

Make smarter decisions today with a clear view of tomorrow.

• Integrated Smart Planning – Proactive tax planning helps reduce wealth lost to income taxes over your lifetime. Many people think tax planning is about reducing taxes when you file your next annual tax return. However, not all tax deductions are created equal. Many simply defer taxes to a future date. Smart Planning helps clients make more informed decisions by identifying the long-term tradeoffs of today’s tax-related choices. Rather than creating tax minefields that sabotage your financial future, Smart Planning clarifies the intent behind specific tax strategies and whether they are right for you.

Minimize lifetime taxes with smarter, forward-thinking tax strategies.

• Proactive Investment Guidance – Your investments need to work for you. Like any good boss, you should set clear and realistic standards and expectations for the job. Stop allowing your investments to dictate your life. Instead, seek guidance coordinated to enhance your overall financial goals. Whether you need investment advice, investment management, or a combination of both, we believe that a well-designed investment plan should be driven by your overall financial plan. 
• For more information on S.E.E.D. Planning Group’s investment division, Sift, please visit siftinvesting.com 

Align investments with your goals, not market noise.

• Risk Assessments – What happens if you are disabled before you reach your goals? What if there is an unexpected death? What if you lose your job? What if you take a pay cut to pursue the career of your dreams? What if you have a child with special needs? CORE helps build strategies to address these issues and more. 

Prepare for life’s curveballs with tailored risk strategies.

• Estate Planning – Estate planning includes developing a customized plan for your family and coordinating with a qualified attorney to ensure you get the legal documents you need, while being practical and effective. Financial planning is about your life. Legal documents are about creating rules. We think you should start by focusing on your life and the legacy you want to leave, and the practical steps to get there, before you have an attorney write the rulebook.

Build a legacy plan that reflects your real-life values.

• Personalized What-If and Strategy Sessions – Life doesn’t have a playbook. Your story is likely to be different from anyone else’s. What-if and strategy sessions help you weigh the potential ramifications of decisions before you take your next leap forward. What if you buy a vacation property? What if you have to financially support an aging family member? What if you want to financially support one a child? What if you turn down a promotion, quit your job, and become an entrepreneur? What if you retire early?  CORE helps you understand the potential lifetime impact of your decisions and guides you on what to consider before making your next move.  

Test life decisions before you leap into them.

• Stress-Testing – The most common type of financial projection is a linear projection, which is a straightforward forecasting model where future values are expected to follow a consistent, straight-line trend. For example, market returns will be 8% per year. But what happens if returns are above or below their expected results? What happens if the average changes or there are a series of really bad years? Stress-Testing allows us to examine projections alongside corresponding what-if scenarios, helping establish a more realistic range of outcomes. This illustrates the likelihood of a financial decision resulting in positive or negative consequences. As the old proverb says, “hope for the best and plan for the worst.”

Plan for the worst, so you’re ready for anything.