Retirement Planning

Planning for retirement is a complex process. Traditionally, retirement resources have been described as a “three legged stool.” Briefly, the three legs in the U.S. experience include: (1) Social Security, (2) savings, and (if available) (3) pension plans. We evaluate each client’s unique situation, fully explain the possibilities based on that evaluation and then plan individualized strategies to help our clients move more confidently toward retirement. Why Retirement Planning is

Investment Planning

Renaissance Financial Management’s CFP ® Advisors have a “team” approach to investment management, tailored to each client’s personal goals and to the suitability of each type of investment to meet those goals. We are not a collection of “silos.” Yes, it takes a village. We know that our clients are unique people with unique needs and goals, and that successful investment strategies must always take those into account. We develop

Estate Planning

Estate planning is a gift of love. It is not just about you. It is about who, or what, you care most about and the legacy you want to leave in our world. Effective estate planning focuses on your values—not just your valuables. Why Estate Planning is Important Too many families are torn apart by the fallout of an ineffective or nonexistent estate plan. Without it, mourning family members are

Tax Planning

The U.S. tax system is woefully complex. There are many types of federal, state, and local taxation. There are many fields of taxation that Renaissance CFP’s ® address, including personal income taxes, business taxes, payroll taxes, investment taxes, estate taxes, and more. Most of our CFPs ® are former and present-day educators. Sharing our knowledge, and providing assurance that the messages are understood, are both key attributes at Renaissance. While

Business Planning

At one time, it seemed that all it took to run a business was a good idea. If you offered the right product or service, the public would follow. Then, when the time was right, you would either sell your business or leave it to your family. Essentially, common sense could prevail. But while this strategy, or lack thereof, can occasionally result in success, times have become more complex. Today’s

Insurance Planning

The one certainty in life is that all of us will experience uncertainty at some point. We know that unmitigated risk can wreak havoc on our business and our personal lives.This is why insurance exists--to mitigate the risk that could prove catastrophic to a financial plan, whether temporarily or permanently. Insurance transfers the financial risk of life’s events to an insurance company, shielding your family from the financial consequences if

Divorce Financial Services

Division of assets is one of the biggest issues of the divorce process, and one of the most stressful. Too often, the emotion and confusion of an adversarial process cloud the real issues, making a truly equitable split difficult to achieve. Many times, simple fear of the road ahead (and the uncertainty of the financial implications of the settlement) is what fuels the “messiness” of the divorce process. This inevitably