Individuals and Families
Business Owners


Managing your finances is an important component to any financial plan. Along with the protection offered through insurance and the goal setting provided by investment choices, money management strategies help you manage your savings on a daily basis.

From mortgage payments to tax savings, our goal is to help you manage your money as effectively as possible.


Depending on your stage of life, chances are you’ll have a distinct approach to saving. New graduates or young couples have different needs than retirees or mid-career families. But no matter your personal situation, we can help you develop financial habits that will lay a strong foundation for your savings.

Younger individuals and couples enjoy a number of benefits in terms of financial management. Low insurance costs and a long investment horizon, combined with few responsibilities, can make for an excellent financial base. We can help you build on these advantages, while at the same time addressing a debt load that might include student loans, car payments or a mortgage.

Couples planning for a first child enter into a new level of commitment — both personally and financially. Learn how to save for a child through specialized insurance and investment products, such as a Registered Education Savings Plan.

Mid-career professionals typically have higher incomes than younger investors, but they also carry more responsibilities. From mortgage payments to a child’s education, consider a financial plan that balances your needs and obligations.

Retirees have worked hard at their careers, and now is the time for relaxation and celebration. Chances are that children have moved from home, the mortgage is mostly paid off and a few investments are coming to fruition. However, income levels may have dropped after retirement. Find out how to manage your finances in a way that allows you to fully enjoy the fruits of your hard work.

In short, no matter your life stage, contact us today to learn how to balance savings and investing with your other commitments.

Tax Planning

No one likes taxes. But through the advice of a professional financial advisor, you can access products and services that help ease the burden. Charitable contributions, life insurance policies and investment products can all be useful tools in an effective tax strategy. Working together, we will consider your personal situation and design a tax plan that fits your needs.

Contact us today to learn more about tax-planning products and services specifically tailored for your needs.

Estate Planning

Preparing for the inevitability of death or the effects of a lingering illness is a difficult issue to discuss, but it is also an important part of any comprehensive financial plan. We can help you and your loved ones approach estate planning in a constructive manner that seeks to avoid problems and ensures that others are well cared for in the event of your death or disability.

By naming your executors in a will, successor trustees of your trust, healthcare representatives and providing instructions on the distribution of your estate, your surviving loved ones avoid having to guess your wishes. Save your loved ones the stress of dealing with financial issues by planning for your death or disability while you are alive.

Contact us today to discuss succession planning in more detail.


Buying a home can be one of the most exciting purchases of your life — but also a big decision with a major impact on financial planning. From choosing the right time to buy, to deciding whether it is even a good idea, we can help guide you. We’ll help you assess all costs involved — from taxes to renovations — and work with you to determine whether taking out a mortgage makes sense for your budget.

If you are considering taking out a mortgage, contact us today.

College Education

The cost of a college education continues to rise (now outpacing the rate of inflation), thus putting this dream beyond the reach of many Americans unless they started planning and saving early. But if you are just starting out, what’s the best plan?

As with any savings goal, individual factors affect the decision: time horizon, risk tolerance, investment preferences and your specific tax situation. In addition, special consideration needs to be given to who will actually own the college funds, because the decision is likely to impact the availability of financial aid in the future.

Working together, we can examine college investment options to build a customized portfolio that takes into consideration your financial goals, risk tolerance and timeline. Contact us today to find out more.

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Business Owners

Growing a business is a difficult undertaking today. Business owners must confront a myriad of tax laws and regulations while trying to effectively create products or services, manage their employees, develop and cultivate clients, and do so profitably.

Oftentimes, business owners are too absorbed in their business to tend to their own financial needs. So they might overlook key planning considerations that could even help their business grow and prosper. Not to mention when unexpected events adversely affect the bottom line and the very livelihood of the business owner. What should today’s business owner specifically pay attention to?


For many business owners, their business is their primary retirement asset. After many years of building a successful business, they expect to convert it to an income for retirement by selling it. If they are relying upon the business as their sole means of retirement, however, they run the risk that it may not attain the value needed to produce the desired income.

Businesses can fail. Businesses can lose value in certain economic cycles. The timing is not always right to sell a business. Many times the true value of the business lies in the talents and good will of the business owner, who won’t be around to run the business after he or she retires.

Business owners have access to a number of qualified and non-qualified retirement plan options that can provide a cornerstone for their retirement income needs.

Business Succession

When a business partner dies, the business loses a valuable asset and could suffer in the short term. The long-term issue for the partner left behind is whether the business can survive when the deceased partner’s family members show up for their interest in the business.

A business succession plan can provide for the orderly transfer of the business interest from the deceased’s family to the business.

Key Employee Protection

One of the more devastating events a small business can suffer is the loss of a key employee. Oftentimes it’s a key employee who brings a special talent to the business and is responsible for much of the success of the business owner.

In financial planning, we are taught that it our most valuable assets — our home, our ability to earn income, our cars — should be insured against an unexpected loss. It’s no different for business owners. Buying life insurance coverage on a key employee makes good business sense. The amount of coverage should be enough to cover the costs of recruiting and paying a replacement, loss of earnings to the company, any redemption of stock, or a salary continuation plan arrangement with the surviving family.

Executive Compensation

In a small business setting, it could take years to find or develop the executive talent needed to build the business to the next level. Executive talent is hard to come by, and it is even more difficult on the business when it walks out the door in pursuit of another opportunity.

When key executives are presented with a strong monetary incentive package, they are more likely to stay and utilize their talents where they feel appreciated and appropriately rewarded. Structured incentive plans can help keep key executives in place and motivate them to higher levels of performance.

Plans such as nonqualified deferred compensation, executive bonus and split dollar life Insurance are plans that enable the business to offer current and future benefits to their key executives in exchange for their continued service for a specified period of time.

For more information on these valuable financial planning considerations for business owners, please contact us today.

*Framing Financial and LPL Financial do not offer tax, legal, or mortgage services. 

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