Financial Planning

Atlantic Capital Investments, LLC (ACI) provides comprehensive financial planning including retirement planning, goal planning, insurance analysis, asset allocation, net worth and cash flow management, tax considerations, basic estate planning, and "Monte Carlo" analysis.

  • Retirement Planning: Today, “retirement” is not necessarily something you do after working for an employer for 30 years to get a gold watch, Pension, and Social Security benefits to then live out your “golden years” relaxing, fishing, and playing golf. Retirement Planning is evolving to mean finding and funding the life you really want when you want. In other words, Retirement Planning can be called “life planning.” This type of planning will likely be the greatest financial priority for you because it often involves the highest degree of passion and vision as well as the highest amount of financial discipline and energy. For this reason, ACI specializes in retirement planning and devotes the greatest amount of focus to this crucial area of financial planning.
  • Goal Planning: ACI advocates breaking up the overall portfolio into individual pieces when there are goals beyond retirement planning (education for children, a new house, expensive vacation, etc.) and setting each portfolio’s asset allocation so it is appropriate to the time horizon of the goal.
  • Insurance Analysis: Without proper insurance coverage, clients may potentially place all of their other financial goals in danger. ACI does not sell insurance so you will receive a completely unbiased assessment of your insurance needs.
  • Asset Allocation: The proper investment mix is paramount to the success of reaching the portfolio’s objective. Just as importantly, asset allocation must be suitable for the investor’s risk tolerance and arrived at through a sound process.
  • Net Worth and Cash Flow Management: Overall, the financial goal should be to increase net worth over time. Knowing the difference between income and cash flow and the difference between “good debt” and “bad debt” can dramatically increase the likelihood of financial success.
  • Tax Considerations: One of the most commonly overlooked aspects of investing with significant financial impact to the investor lies in the area of taxes. Proper investment selection, “tax loss selling,” reducing taxable income and knowledge of tax law changes are only a few tax considerations central to successful financial planning.
  • Basic Estate Planning: This area of financial planning provides crucial steps that you and your family can take to ensure financial goals are met after you die.
  • Monte Carlo Analysis: Since life expectancies are significantly longer now, outliving your money may be the greatest and most commonly overlooked risk individuals face with investing. This “simulation” is used to evaluate the effects of the rate of return fluctuations of your investments over time, which ultimately arrives at the probability of success of a given portfolio.

Contact Us to request a free Financial Planning Assessment to gain a clear picture of your current financial situation or to simply ask for our free quarterly Newsletter so you will stay informed of stock market and economic trends, investment news, and financial planning tips!