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"A Goal Without a Plan Is Just a Wish"
-Antoine de Saint-Exupery


Comprehensive Financial Planning

Our planning services will provide you with analysis and advice on most components of your financial life. Our methodology includes comprehensive research, review, and analysis of nearly all aspects of your financial situation.  We provide you with a written document summarizing our analysis, recommendations and rationale.  Our engagement includes a 12-month consultation enrollment whereby you will be able to consult with us at no additional fees.

Our analysis and recommendations include but are not limited to:

Net worth calculation and analysis

Tax position analysis

Cash flow analysis

Asset allocation and investment analysis

Retirement analysis and planning

Option planning and analysis

Education funding

Insurance needs analysis

Estate planning analysis

We then summarize our recommendations into an action plan for your consideration and implementation. We have a comprehensive network of allied professionals with related expertise with whom we consult. If requested, we can refer you to other professionals that can help you implement these recommendations in a reasonable and highly competent manner.

Our Process


Our Process is a systematic approach to determining the best plan to ensure that you are on track to reach your personal goals.  This process helps us to understand your true financial goals, create the best plan to accomplish them and keep your plan on track.  It generally consists of a series of three to five meetings, some of which can be conducted via web conference for your convenience if necessary.



Latest Blog Posts

Aug 18, 2017 by Structured Asset Management, Inc.

The solution to retirement spending isn’t easy. There isn't one perfect solution for everyone. Three potential approaches include immediate annuities, a total income approach or a total returns approach. While each of these solutions have their pros and cons, we strongly favor the total returns approach in most situations. Here's a look at each of these and their pros and cons.

Immediate Annuity Approach: you turn your...

Aug 07, 2017 by Structured Asset Management, Inc.

Top Retirement Planning Mistakes

Here is a list of what I'd consider the top mistakes people make for their retirement planning:

  1. Not Having a Plan
  2. Bad Annuity Decisions – there’s a reason annuities are sold and not bought
  3. Failing to review investments - being too aggressive or too conservative
  4. Bad Social Security decisions - this should be just part of your plan, not an entire plan
  5. Overspending is a game...
Aug 04, 2017 by Structured Asset Management, Inc.

To follow up on my latest post regarding retirement and the importance of planning ahead, there are a number of things to consider. The biggest challenge is to create a lifelong paycheck, one that allows you to live the lifestyle you envision for yourself in retirement. To accomplish this, it should be structured so that it lasts your (or multiple) lifetime(s), is paid on a regular basis, takes inflation into account and is relatively stable. Each one of these factors could be a whole...

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