Cash Flow Analysis

From paying down debt to funding retirement, we help guide clients through a vast maze of financial choices. Cash flow, or looking at money going in and out, may be the most important part of a financial plan. A good cash flow management plan can allow for discretionary spending, while helping clients manage upfront expenses and still save for their long-term goals.

By helping clients review their expenses we can empower them with information to make informed, realistic decisionsBy the end of the cash flow analysis you should have a great idea about how your cash flow situation impacts your ability to achieve your goals and objectives, and what corrections to make in order to shape your financial future.

Debt Management

Most people, regardless of their net worth or level of income, carry debt—whether it’s from buying a home or from financing another big-ticket purchase, such as a new car. Conventional wisdom says that as long as there is enough income to cover regular debt repayments, then debt is an acceptable part of a financial plan. But carrying an excessive amount debt can restrict a person’s ability to take advantage of certain financial opportunities. And the interest that accrues on any loan is money that’s not available to be invested for other purposes.

Our services in helping clients manage debt may include the following:

  • Analyze purchase and refinance loan options
  • Coordinate application process for loans
  • Gather and provide data to lenders
  • Assess lease versus buy options

We help assess whether or not our clients’ level of debt is healthy—and, if not, to provide methods that can help them get their finances back under control.