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Financial Planning

We Focus on You First

Ready to Plan for<br/>Something Special?

Ready to Plan for
Something Special?

Your financial plan is a reflection of

It should be nimble, energetic, and resilient — able to weather the occasional storm and capitalize on opportunities as they emerge.

Nobody understands this better than your wealth advisors at Variant. We combine discipline, expertise, and experience to provide personalized guidance to help you prioritize and achieve your financial dreams.

7 Key Areas of Your Financial Plan

At Variant, we utilize the most sophisticated financial tools available, providing you with a clear understanding of your financial status now and into the future

Cash Flow

Are you able to reduce your interest rates on your credit cards, mortgage, and other loans? How much emergency reserve do you need?

  • Income Sources & Expenses Budgeting
  • Debt Management / Lines of Credit
  • Planned Large Expenses and Emergency Funding
  • Mortgage Review

Insurance & Wealth Protection

How could the unexpected impact your dreams?
How have you planned for illness, disability, and LTC?

  • Review of Existing Insurance Policies
  • Life Insurance needs and Liability Coverage
  • Long Term Care and Disability Insurance
  • Homeowner’s or Renter’s Insurance

Income Tax

How can you reduce your tax liability?
What is your plan for withdrawing assets in retirement?

  • Review of Cost-Basis and Realized Gains
  • Tax Loss Carryforward and Harvesting
  • Deductions, Credits, and Roth Conversions
  • Health Savings & Flexible Spending Accts.

Investment Mapping

What are your Investing Goals? How do you feel about market risk? When will you have enough savings?

  • Review of Portfolio & Asset Allocation
  • Investment Policy Stmt. /
    Market Risk Tolerance
  • Withdrawal Strategies
  • Review Investments Held  Outside of the Firm

Assistance to Loved Ones

Do you have 529 College Savings Plan?
Do you have elderly loved ones you plan to care for?

  • Education Planning / 529 College Savings Plans
  • Caring for Elderly
  • Roth IRAs for Children
  • Uniform Gifts/Transfers to Minors Act (UGMA/UTMA)

Retirement Planning

What is your retirement dream?
How long do you plan to stay in retirement? Will your assets last?

  • Retirement Goal Setting and Business Planning
  • Social Security/Medicare
  • IRA Contributions and Distribution Strategies
  • Employer Sponsored or Self-Employed
    Retirement Plans & 401k

Estate Planning and Charitable Giving

Who do you want to leave assets to after you pass away? How do you plan to distribute your assets?

  • Wills, Trusts & Charitable Contributions
  • Power of Attorney and Health Care Proxy
  • Irrevocable Life Insurance Trusts
  • Estate Taxes

View Our Financial Planning Process under

Our Approach

Inquire About A Meeting

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