Human capital is an important part of the portfolio. A lifetime balance sheet is used to determine budget when planning for the future. Rick Miller discusses the assets and liabilities that go into sustainable life-cycle planning.
Financial Planning Videos
Returns Over the Life-Cycle
Rick Miller discusses how inflation, interest rates, returns, and expectations of spending in life-cycle factor into financial planning.
Estate Planning
An estate plan is a series of documents that helps you achieve goals such as providing for your family in the event of an emergency and formalizing your wishes about end of life care at the lowest cost to you and your family. We can give you guidance along the whole process, even working closely[Learn more…]
Financial Planning
Working longer now may cause you to miss opportunities to spend time with your family, to travel, or to take on other activities. Sacrificing now to live better later isn’t attractive. We work with you to identify a sustainable living standard, so you can live better today- not just in retirement.
Goals Within Life-Cycle Planning
Risk Management
We work closely with you to understand your lifetime budget, or how much money you expect to live on each year. From that perspective, risk management is the set of insurance products that will allow you and your family to maintain that budget over the course of your lifetime.
Retirement Income
The basic financial problem is simple: you live longer than you work. How do you move assets from your working years to your retirement years? We can help you build a long-term strategy for planning for your retirement.