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Our Process

Get started with a vision of how you want to live and give.

Design Your Wealth Plan The first milestone is where you create your detailed roadmap for your financial life. We help you to clarify where you are, where you want to be, how to get there, and how to prepare for “unexpected detours.” Creating a budget that you can stick to is vital. We use a tool called eMoney to help you see your total financial picture. This comprehensive tool enables us to create a financial plan for you to help you make more informed decisions about your money.

Next, let’s reduce debt and get protection in place.

Eliminate Wealth Killers

For most, the greatest obstacle to achieving financial success is not the stock market or a job that pays too little. Nothing is more deadly to a good financial plan than chronic debt and excessive spending. We can help you to kill these wealth-killers.

Build An Emergency Fund

Everyone needs to “self-insure” to some extent. If you lost your job tomorrow, how would you survive? If you were in a car accident, do you have the money to cover your deductible? How much should you have in an emergency fund? We’ll help you find that answer.

Acquire Disability Insurance

If you became too sick or injured to be able to work for an extended period of time, how would you pay your bills? We help you to protect against this potential threat to your current and future lifestyle. Disability insurance is just as critical as life insurance, if not more. Let us help you calculate how much you need. And most importantly, we want to give you quotes that fit your budget.

Obtain Life Insurance

If you passed away prematurely, could your spouse, children, dependents or business partner survive without the income you were generating? We help you calculate your life insurance need and match you with an affordable policy. The tool below is a good starting point. We will help you fine tune what you need and help you apply.

Acquire Legal Liability Insurance & Identity Theft Protection

If you found yourself in a legal battle, how much could you afford to pay for a settlement and/or for an attorney to represent you. Do you have any protection against identity theft? Who will help you restore your credit?

Establish an Estate Plan

If you were to pass away tomorrow, will your possessions be distributed according to your wishes? Who will care for your children? If you are on life support, who should make healthcare decisions on your behalf? If you don’t have a plan yet, it may be appropriate for you to create a will, trust, power of attorney, etc. If you need a trust, we can recommend some qualified attorneys.
Milestone Wealth Design and LPL Financial do not provide legal advice.

Plan For Long-Term Care

Are you financially prepared for the likelihood that you or a loved one will need long-term care services such as assisted living or skilled nursing? We can help you to protect against the rapid, wealth-draining costs of long-term care.
PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to. These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.

Once you have the right protection, it is time to plan for the future.

Save for Retirement

What’s your number? How much money will you need in order to reach those dreams for retirement? How much should I be saving now? We will help you answer these questions and many others that you many not have factored into your retirement planning.

Save For College

Do you have children? Do you want them to go to college? If so, would you/they prefer a public or private institution, “in” or “out” of state? Do you know how much this will cost by the time your kids graduate high school? Where will the money come from?

Eliminate Your Mortgage.

Once you’ve completed (or are on pace to complete) the previous milestones, it’s time to put the mortgage to death and be completely debt free.

Design Your Legacy Plan.

Now that you’ve achieved independent wealth, what legacy do you wish to leave for those who follow such as or your children, or grandchildren? Is there a non-profit organization you want to support even after your life? We can direct you to the right estate-planning attorney.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is no guarantee of future results.

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