Do you want to retire early? How about start a year-round camping trip? Or perhaps you want to take a long trip with your family and visit the national parks? Your goals are up to you, and we want to help.

At Independent Financial Planning, we help you discover, prioritize, and fine-tune your goals. Below are an array of services designed to help you accomplish those goals. We are here for you.

Investment Management

Our investing philosophy is consistent with the concepts of diversification. We take a core-satellite approach of having a core of domestic equity and build around that based on your needs. Read More…

The government has designed the tax code to encourage some activities and investments as opposed to others. Sometimes doing your taxes is relatively simple but for many there are advantages to aligning your investments, giving, and income to maximize your tax benefits.

Tax Prep and Planning

Retirement Planning

Comprehensive financial planning sounds so daunting but it really is the process of determining what is important to you and aligning your financial life towards that. Read More and get started…

Detailed Specialties

Cost-benefit analysis

Choosing whether to elect for a survivor benefit over life insurance at retirement.
Determining the rent vs. own for boats, houses, RVs, cars, etc.
Discovering opportunity costs: saving for college vs. retirement; or paying down your mortgage vs. diversifying into real estate.

Investment REVIEW

Portfolio evaluation and risk review.
Developing strategies to address the “tails” of returns, particularly protecting against severe market declines.
Reviewing and encouraging the diversity of the portfolio including real estate assets.
Developing sources of income (not insurance) for retirement.

tax strategies

Using donor-advised funds (DAFs) to plan your charitable giving.
Taking advantage of qualified charitable distributions for retirees.
Capturing the benefits of depreciation to offset income.
Optimizing the distribution of assets among LLCs and corporations.

Other Areas of Expertise

Government Employee

We know the in’s and out’s of government employee financials and can help you get the most out of your situation.

One-time Increased income

We interface with tax experts and attorneys to deal with the challenges of unusual increased income from selling a business or receiving a large bonus that throws off your normal tax strategy.

Young Professional

Just starting your career? You are uniquely positioned to take advantage of our most valued asset, time!