Personal Financial Planning Services   Personal financial planning (PFP) is a comprehensive process of identifying goals and establishing plans and techniques to achieve them.  Specific goals are unique to each of us but areas of concern normally include income tax planning, retirement planning, estate planning, investment advisory services, and risk management.  Our approach to PFP begins by educating our clients on appropriate issues and concepts and continues by gathering data and determining goals and expectations.  After the data has been analyzed and evaluated, we develop, prepare, and present a financial plan tailored to meet the goals and objectives of the client.  The final steps in the process include assisting the client in implementing the recommendations and monitoring and evaluating the soundness of the recommendations in light of changes to the client's personal circumstances, the tax laws, and the overall economy.   We are highly qualified to assist you with your personal financial planning needs.  Our staff of professionals includes Certified Public Accountants, Certified Financial Planners, management consultants and a Certified Valuation Analyst.  Our qualified professionals have many years of experience.  We provide a variety of services including:   ·        Retirement distribution planning ·        Budget and cash flow management ·        Insurance review ·        Education planning ·        Investment review ·        Divorce planning ·        Planning the purchase or sale of a residence ·        Planning for executives ·        Business exit strategies ·        Retirement planning ·        Estate planning ·        Funding for special need children ·        Charitable giving ·        Stock option planning ·        Eldercare planning ·        Debt management and financing ·        Gift giving ·        Income tax planning     Our services are not limited to those listed above.  We customize our services to meet your specific needs.  Please call us to discuss your personal financial planning needs.