How Keep It Simple Financial Planning can help:

Financial Planning

We help you see where you stand today and map out where you want to go. Together, we'll look at your income, expenses, and goals to create a clear plan that covers saving, investing, taxes, insurance, and retirement. We break down complex financial decisions into manageable steps and help you prioritize what matters most. Good planning means less stress, better decisions about your money, and confidence that you're moving in the right direction.

Investment Management

We handle your investments so you don't have to. We'll build a mix of stocks, bonds, and funds that fits your comfort level and timeline, then keep an eye on things as markets change. We regularly review and adjust your portfolio to keep it aligned with your goals and life changes. Our job is to grow your money while managing risk in a way that makes sense for your life, taking the guesswork and emotion out of investing decisions.

Education Planning

We help you save for your children's or grandchildren's education without sacrificing your other goals. We'll estimate future costs based on current trends, explore savings options like 529 plans and custodial accounts, and create a strategy that fits your budget and timeline. We also help you understand the tax benefits of different education savings vehicles. The goal is to turn a big future expense into something manageable while keeping your retirement and other priorities on track.

Tax Planning

We look for ways to keep more money in your pocket by organizing your finances to minimize taxes legally. This might mean timing certain moves, maximizing deductions and credits, making smart decisions about retirement contributions, or planning when to realize capital gains. We stay current on tax law changes that could affect you and coordinate with your CPA when needed. Good tax planning means fewer surprises at tax time and more money staying with you throughout the year.

Estate Planning

We help you plan for what happens to your assets and ensure your wishes are clear. Working with attorneys when needed, we help set up wills, trusts, powers of attorney, and healthcare directives to protect your family and minimize estate taxes. We also help coordinate beneficiary designations across all your accounts. It's about peace of mind, taking care of the people you love, and making sure your legacy is preserved the way you want it.

Retirement Planning

We help you figure out what retirement looks like for you and how to pay for it. We'll estimate what you'll need based on your lifestyle goals, look at all your income sources including Social Security and pensions, and create a strategy to make your money last throughout retirement. We also plan for healthcare costs and help you understand different withdrawal strategies from your retirement accounts. Good retirement planning gives you confidence about your future and a clear roadmap to get there.