Financial Planning

Financial Planning

At Gemini Financial Services, Inc. we offer a Comprehensive Financial Planning approach to help you reach your overall financial goals. The financial planning process generally involves six steps:

1. Client/Planner discussions to establish financial goals

2. Gather relevant date

3. Review and analyze data

4. Develop the plan to accomplish goals

5. Implement the plan

6. Review ongoing progress and adjust plan as necessary.

Through the planning process, we would review, analyze and complete activities around the following plan components:

1. Net Worth/Balance Sheet

2. Cash Flow Management

3. Income Taxes

4. Insurance and Risk Management

5. Investments

6. Financial Independence, Retirement Planning, Education Planning and other Accumulation goals

7. Estate and Gift Planning

Educational Planning – College tuitions continue to increase faster than the rate of inflation. This trend is not expected to slow any time soon. Planning for your children’s education requires analyzing the various options available and choosing those that are best suited for your situation. We can help determine if a 529 Savings Plan, Coverdell Savings Plan, Roth IRA or other investment is appropriate for your situation.

Retirement Planning - With an uncertain future for Social Security, careful planning for retirement is becoming more important. We can help you devise a retirement plan that will help your money last as long as you do, and that is distributed to you in the most tax-advantaged way.