Just Starting Out

We welcome young adults as they enter the workforce and transition to independent living.  PFM can provide valuable insight on personal finance such as evaluating employer benefits, managing debt and using credit responsibly.  We will help you set savings and budgeting goals.

Family Time

We know it can be difficult to save while raising a family.  Running a household and taking care of children can be time consuming and expensive.  Many families want to make the most of their time together while their children are young and often put off saving for retirement. PFM can help you consider the trade-offs needed to balance "living for today" with saving for tomorrow.

Empty Nest

Just as your family picture changes, your financial picture changes as well.  Launching your children into the world can be a very gratifying experience.  You may want to fund your children's college education, help with wedding expenses, or enjoy activities with your grandchildren.  Through careful planning, you can strike a balance between gifting to your family and saving for your future.

Countdown to Retirement

 Now is the time to solidify your retirement goals.  Without a plan, many soon-to-be retirees are uncertain about the financial choices they will need to make.  What living expenses do you foresee?  Can you afford additional travel?  When should you start Social Security?  Let PFM provide you with the guidance, perspective and organization to help you make wise decisions that will affect your retirement.

The Golden Years

One of the biggest adjustments retirees face is no longer collecting a paycheck.  With diligent planning from PFM, you should find comfort in knowing you have a strategy to convert what you have accumulated into a monthly income.  As you transition out of the workplace, we assist with your 401(k) and pension rollovers. Along the way, we also consider the impact of taxes, plan for RMDs, and document your wishes to ensure your estate passes as you desire.

The Future Is Yours

Once you are retired, it’s important that you can stay retired.  Do you know how much you can withdraw from your retirement savings and still have it last throughout your lifetime?  Can your portfolio weather severe market downturns over the next 10, 20 or 30 years?  As you age, your needs and wishes may change.  During our meetings, we not only talk dollars and cents, but also discuss plans for independent living and setting new personal goals.