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Personal Financial Planning

Comprehensive Financial Planning

Pivotal Planning Group, LLC is a team of caring experts who will take the time to understand your concerns, needs and goals and help you develop a life plan to make your dreams a reality.

We will work with you to develop a comprehensive financial plan addressing your immediate and long-term goals. Planning is focused around face-to-face, interactive meetings driven by your distinct goals. Planning brings little, if any value if not ultimately acted upon. We do not simply deliver “a plan” and leave it to you to take action. Rather, we develop a lifelong relationship based on the concept that financial planning is a continuing and evolving value added process, not a one-time transaction.

“Life is a symphony: Let us help you orchestrate it!”

Personal Financial Planning

Our personal financial planning practice has been the cornerstone of our firm since its inception. Our clients realize that their investments are only one component of their overall financial plan. Comprehensive Financial Planning involves looking at every part of your financial life including;

Defining short and long term goals
Current and future income tax planning
Estate, gift and generation skipping taxes
Budgeting and cash flow planning for the present and future
Insurance planning; life, health, long term care, disability, home owners, auto and others
Savings and retirement planning
Retirement income planning
IRA distribution options
Beneficiary designations
Establishing trusts and charitable giving
Leaving a legacy

Only after analyzing all of these moving parts can we develop an intelligent investment plan designed to meet your goals.

Investment Management

Our clients have long realized that utilizing the services of a proprietary broker or investment manager may not be in their best interest. Although they may have relationships with large banks and brokerage firms to custody their personal assets, they understand the importance of having an independent expert oversee the prudent management and oversight of their plan.

Pivotal Planning Group, LLC a SEC Registered Investment Advisory firm specializes in helping individuals develop a planning and investment strategy to meet their personal financial goals. We do this by adhering to the same principals with your personal planning as we do with our large corporate retirement plans, providing you with institutional investment management on a personal basis.

Our responsibilities include selecting, managing and monitoring your financial assets in accordance with your financial plan both in the short and long term. This approach will lead to more informed investment decisions, better service and lastly a more predictive outcome.

Retirement Planning

Everyone has a different vision of what their ideal life in retirement looks like. One of the greatest risks an investor faces is running out of money during retirement. Many retirees often misjudge how much money they can safely withdraw from their retirement savings and underestimate the length of time this income is needed.

How long will my nest egg last?
How much income can I safely withdraw each year?
What about inflation and increases in my cost of living?

Navigating the intricacies of your retirement plan options, whether a 403(b) plan, 457 plan, 401(k), IRA Rollover, Annuity or any other kind, can be a daunting and confusing task. We have a long history of helping retirees including executives, doctors, teachers and public sector employees successfully prepare for their retirement and the years beyond. We offer comprehensive advice for retirees by reviewing their current tax and estate plan, insurance needs, retirement and pension plan payout options, income and budget needs and current investment risk. We then are able to tailor an unbiased customized plan to help you enjoy your retirement to the fullest.

Tax & Estate Planning

Estate planning is a process. It involves people – your family, other individuals and, in many cases, charitable organizations of your choice. It also involves your assets (your property) and the various forms of ownership and title that those assets may take. It addresses your future needs in case you ever become unable to care for yourself.

Many people mistakenly think that estate planning only involves the writing of a will. Estate planning, however, can also involve financial, tax, medical and business planning. A Will is part of the planning process, but you will need other documents as well to fully address your estate planning needs.

Keep in mind that tax laws often change. Estate planning for tax purposes must take into account not only estate taxes, but also income, capital gains, gift, property and generation-skipping taxes as well.