Financial Planning

At CGT, we understand it’s more than assets and investments and net worth. It's about what you want to do with your money and why. It's about working with our client advisory team to identify your concerns expectations and goals. We can help overcome fears and concerns such as health care costs, outliving your money and the best time to file for Social Security benefits. Our team of advisors will help you gauge how likely you are to reach your goals and whether you are on track instead of focusing on headlines.

Taking time to define your goals in retirement is important. You’ll want to prioritize your goals into needs, wants and wishes and ensure that you know what it will take to pay for each of your goals. Needs are the critical items such as basic living expenses (housing, food, clothing), health care, and a car or transportation. Wants are those items that are really important to you and wishes are things that aren’t necessary but would be the icing on the cake. Prioritizing your goals will help you be aware of what you need to focus on funding and where you can make trade offs, if needed. There are no right or wrong answers - this is your plan and your retirement.

Is there one special place calling your name? Or do you want to travel every year? Create Travel Goals for one special trip, or for a recurring travel.
Do you have plans to renovate? Will you continue living in your current home? Create Goals for major home improvements and repairs.
If you plan to pay for all or part of a college education (or some other education program) for yourself, a child, or grandchild, make sure you have a Goal for it. If you need money to take care of someone you love (e.g., your mother in a nursing home, or a child with special needs), make sure you have a Goal to pay for it. Are you ready to trade-up or just want more space? Maybe it’s time for that vacation home you’ve always wanted. Make it a Goal and make it come true.