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Financial Planning

Achieving your financial goals doesn’t happen by accident. Whether you’re saving for a home, a college education, a dream project, or investing for retirement, having a trusted financial advisor can support and guide you to make solid decisions that turn life goals into reality.

Personalized financial planning is integral to everything we do at Barnum Capital Management. Using innovative digital tools paired with a hands-on people-first approach, we make your money work harder and smarter for you. Our professional advisors specialize in a range of financial disciplines, which are reflected in the services we proudly offer.

Financial Planning Explained

Six Areas Of Financial Planning

Financial Position

Cash Flow

  • Cash flow analysis

Debt Management

  • Current debt analysis
  • Mortgage options
  • Debt reduction strategies
  • Financing options

Emergency Fund

  • Structure and funding

Large Expenses

  • Education funding
  • Major purchase funding strategies

Protection Planning

  • Life insurance
  • Disability income
  • Long-term care insurance
  • Health insurance
  • Homeowner’s and renter’s insurance
  • Automobile insurance
  • Group coverage

Investment Planning

  • Portfolio analysis
  • Asset allocation
  • Security selection
  • Cost and fee analysis
  • Concentrated stock positions
  • Stock options and restricted stock
  • Non-qualified deferred compensation

Tax Planning

  • Deductions and credits
  • Tax efficient investing
  • Asset location
  • Ownership structures
  • Cost basis analysis
  • Tax loss harvesting
  • Carry forward losses
  • Health savings and flexible savings accounts
  • Liquidation strategies
  • Roth IRA conversions and re-characterizations

Protection Planning

Accumulation Phase

  • Retirement goal setting
  • Retirement income projections
  • Employer sponsored retirement plans
  • IRAs and Roth IRAs
  • Fixed and variable annuities

Distribution Phase

  • Income distributions strategies
  • Social Security optimization
  • Medicare / Medigap
  • Required minimum distributions
  • Pension options
  • Income annuities

Estate Planning

  • Wills
  • Beneficiary designations
  • Powers of attorney
  • Health care proxies
  • Living wills
  • Trusts
  • Guardianship for minors
  • Special needs planning
  • Charitable giving
  • Legacy planning
  • Gifting strategies
  • Federal and state estate taxes

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