I approach each client’s unique situation with the utmost care and precision. This way we can ensure the decisions we make are aligned with your exact circumstances and goals.
I focus on portfolios that help maintain conviction when markets get rough, and courage to temper ourselves when markets seem too good to be true. I also focus on the Environmental, Social, and Governance (ESG) impacts of our portfolios. In the 21st century, maintaining a clean business is good business.
Investment management services include:
- Current Asset Allocation
- Downside Risk Tolerance
- Required & Likely Rate of Return
- Tax Impacts of Investment Selection
- Environmental Impact of Investments
- Long Term Performance Review
- Capital Market Assumptions
- Impact of Current Events
Financial planning explores income, savings, and spending in both the short and long term. People need to earn enough today to cover current expenses as well as save enough to cover future expenses. We’ll make projections on investment growth, pension and social security decisions, and retirement cost, as well to determine if we are doing everything we can to help reach your ultimate retirement goals.
Financial planning services include:
- Understand Retirement Goals
- Review Income Producing Resources
- Pension and Social Security Analysis
- Long Term Tax Considerations
- College Savings & Planning
- Cash Flow & Budgeting
- Current Savings Rate
- Zero Debt Strategies
I am an Enrolled Agent (EA) with the IRS. I prepare tax returns for a local CPA during the tax season to keep current with the latest strategies and opportunities. I am always happy to speak with you and your CPA to make sure we’re all on the same page.
Tax planning services include:
- Tax Loss Harvesting Strategies
- Annual Tax Projections
- After-tax 401K Maximization Strategies
- Roth for High Income Earners
- Inherited IRA Stretch Strategies
- Qualified Charitable Distribution Strategies
- Highly Appreciated Asset Positions Strategies
- Required Minimum Distribution Strategies
Wills, Trusts, Powers of Attorney, Provisioning for Digital Assets, Beneficiary IRA Stretch Options… And the fun goes on. But in all seriousness, being prepared for the worst allows us to organize our lives and bring perspective to what’s most important.
Estate planning services include:
- Asset Inventory
- Beneficiary Review
- Plan for Digital Assets
- Purpose of Wills & Trusts
- Power of Attorney
- Trusted Contacts
McCurdy Financial Solutions and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.
Social Security and Medicare make up a large portion of many people’s retirement. Understanding and selecting the right options are critical for success. Because these decisions are difficult to change, we’ll want to model different options to make sure we get the right balance for your needs.
Social Security and healthcare/insurance planning services include:
- Medicare Coverage
- Life Insurance Review
- Disability Insurance Review
- Social Security Strategies
- Home & Automobile Coverage Review
- Health Insurance Review
- Long Term Care Analysis
Real Estate is a large part of our clients’ financial lives. Topics include buying a first home, down-sizing for a final home, when to sell (or purchase) a rental, when to refinance, or how to use the equity in an existing house. I have owned rental properties for 15 years, and even obtained my real estate license to learn as much as possible about this exciting field (license is currently inactive). I am a big proponent of actual real estate as part of our wealth.
Real estate analysis services include:
- Down Payment
- Rental Property
- Reverse Mortgage
- Downsizing & Rightsizing
- Refinancing & Home Equity
- Mortgage Payoff
Financial Planning Process
Adhering to well-defined processes creates efficiencies and reduces errors. That’s good for any business. Planning is also important to create realistic expectations for clients. Markets will fluctuate, but reporting on the portfolio, review of your risk tolerance, and how it fits together should be predictable. Please take a look at our 7-step approach to financial planning below.