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Financial Planning

Client Centered

The intricacies of reaching your lifestyle goals before and after retirement are always challenging and often complex. Pacific Wealth Management’s in-depth approach to financial planning helps you begin this vital process.

Our comprehensive financial planning will provide you with a clear understanding of every aspect of your financial life — enabling us to optimize your path towards achieving your goals. This allows you to spend more time on the things you care about most.

We embrace our role as your chief financial officer, ensuring each financial decision is intelligently analyzed, deliberate, complementary and always in your best long-term interest. As life circumstances evolve, we will be there to provide counsel and help you make informed planning decisions.

Our comprehensive financial planning services include:

Estate Planning Analysis

  • Wills
  • Trusts
  • Business succession
  • Lifetime gifting
  • Legacy goals
  • Charitable giving

Tax Planning

  • Avoidance
  • Gain and loss planning
  • Alternative minimum tax
  • Estate and gift tax management
  • Diversification analysis

Cash Flow Analysis

  • Income
  • Budgeting
  • Savings
  • Debt management
  • Distribution planning
  • Liquidity needs

Dependent Assistance

  • College planning
  • Special needs planning
  • Assistance for family

Risk Management & Insurance Needs Analysis

  • Life insurance
  • Disability insurance
  • Health insurance

Concentrated Stock

  • Diversification planning
  • Buy/sell discipline
  • Hedging strategy

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