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Financial Planning Services

Financial planning is at the very core of the life planning services we offer to individuals and families seeking to build, manage and preserve their wealth over time. Retirement income planning; education, tax strategies and estate planning strategies; and insurance services are among the many components of a comprehensive strategy designed to help you pursue multiple financial and lifestyle goals. Our approach to financial and investment planning seeks to help you:

  • Fully assess your current situation, goals and desires
  • Overcome obstacles and challenges
  • Recognize and pursue opportunities
  • Learn new ways to manage taxes, increase savings and invest more effectively
  • Adapt strategies to changing life goals or market events
  • Pursue multiple objectives and life-stage goals
  • Achieve a greater understanding of financial management principles
  • Simplify the wealth management process while reducing financial anxiety


Our planning process begins with a review of your goals and objectives to help determine if you are on track and incorporates these and other important discussion items:

    • Cash Flow Analysis
    • Retirement Accumulation
    • Education Planning
    • Insurance Planning
    • Savings & Emergency Funds
    • Retirement Income Planning
    • Tax Strategies
    • Estate & Legacy Planning

    CFP® CERTIFICATION: THE STANDARD OF EXCELLENCE

    The Point Financial Group team brings you more than 100 years of collective industry experience, with associates who have met the rigorous education, examination, experience and ethics requirements set forth by the Certified Financial Planner Board of Standards, necessary to call themselves CERTIFIED FINANCIAL PLANNER™ practitioners. This certification communicates expertise and credibility amongst their peers, and serves as an indication of their status as qualified, trustworthy financial planners.

    Learn More about the many benefits of working with a CFP®

    Tax Strategies

    Nearly all financial decisions have tax ramifications. Tax liabilities associated with income, estate, gift and real estate taxes, among others, can take a toll on your wealth. Our team of experienced professionals can help coordinate the various aspects of your financial plan to manage tax-efficient strategies in line with working toward your overall financial goals.

    We are always happy to work with your CPA or other tax professionals, or refer you to professionals we work with on a regular basis. This can help to ensure your tax planning needs are fully addressed across all aspects of your finances, including year-end planning and estate planning.

    Tax services are not offered by LPL Financial or The Point Financial Group. You are under no obligation to use any professional referrals provided to you. 

    It’s never a bad time to speak with your financial advisor about changes in your situation.
    This calculator can help you estimate how much you may need to save for retirement.

    Retirement Planning

    We understand the unique needs and challenges investors face who are retired or about to retire. It’s important to understand how you will structure your retirement income, how long your income will last, and which sources of income you should tap into first to manage taxes and manage income potential.

    Through comprehensive planning, we can help you prioritize your goals and develop a strategy that seeks to preserve and grow your retirement assets. Whether you are in the accumulation phase or have already retired, a comprehensive strategy is critical to helping you:

    • Manage retirement income needs, desires and expenses
    • Maintain lifestyle choices and priorities
    • Ensure that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals

    We can assist you with the following retirement plans and services*:

    • Traditional IRAs
    • Roth IRAs
    • 401(k) Rollover Education
    • SIMPLE (Savings Incentive Match Plan for Employees) IRA
    • SEP-IRA (Simplified Employee Pension)
    • Employer Sponsored Retirement Plans

    Education Planning

    Whether you’re paying tuition costs now or saving for a future goal, it’s important to determine if your education strategy is compatible with managing your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. It’s important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.

    529 College Savings Plans

    529 College Savings Plans can be a good choice for many families seeking to set aside funds for future education expenses on a tax-deferred basis. As independent advisors, we are under no pressure to recommend specific education savings programs or proprietary products of any type. Our only concern is which program is suitable for your needs.

    Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.