Financial Planning Services Cash Flow Planning Determine how much you should be saving ... for emergencies and near-term goals. Determine how much you should you be investing for long-term goals. Help create and maintain a budget. Help create a retirement income strategy. Goal Planning Define and prioritize your financial goals. Track your progress towards meeting your goals. Help maintain financial independence through retirement. Plan for the unexpected. Estate Planning Wills & trusts review. Review & map estate flow. Survivorship income analysis. Gifting & legacy strategies. Tax Planning Tax return review. Tax gain/loss harvesting. Tax location. Advanced Roth strategies.