Financial Planning

As important as skilled investment management is for every client, thorough and accurate financial planning is just as critical.  Like the proverb says, “failing to plan is a plan to fail.”   Thus, Zemenick & Walker, Inc. offers a wide variety of financial planning tools to help plan for the future:

• Cash flow analysis - An illustration that combines various short term cash inflows and outflows.
• Tax planning - As investment advisors, there are various steps we can take to plan for federal and state taxes.  These include bond buying practices, capital gain analysis, utilization of tax-exempt accounts, etc.
• Portfolio projections - These long term illustrations attempt to look at a client’s overall portfolio and based on various assumptions, project that portfolio forward looking at a variety of return assumptions.
• Education accounts - We can recommend or review appropriate savings plans or investment strategies to plan for a child’s future education costs.
• Charitable planning - Gifting of cash or securities is an excellent way to benefit charitable organizations, potentially lower future tax bills, and can be an important part of estate planning.