Our Services
OUR COMPREHENSIVE SOLUTIONS
Financial guidance that starts with what is happening in your life
Every financial decision connects to a real moment, such as a retirement date coming into focus or a business that has outgrown the way it started. We begin with that moment and explain the options in everyday language, at a pace that leaves room for your questions.
Retirement Income and Social Security
Retirement Income & Social Security
What will your income look like once the paychecks stop?
A retirement date on the calendar raises practical questions about where each month's income will come from and how long it needs to last. We bring every income source, from savings to Social Security, into one plan you can read at a glance, then test how different choices change the picture year by year.
- Social Security claiming age analysis
- Spousal and survivor benefit planning
- Pension and retirement account withdrawal sequencing
Cash Flow and Financial Planning
Cash Flow and Financial Planning
Where does the money go once the bills are paid, and where could it go instead?
Knowing where each dollar goes matters most when a big goal is in view, like retiring on a set date or helping a family member buy a home. We study how money flows through your household over time, which tells you more than a category-by-category budget, and we use that picture to build a written financial plan with strategies connected to each goal.
- Spending and savings rate analysis
- Goal-based savings targets
- Financial analysis of your current accounts, debts, and employer benefits
Investment Management
Investment Management
Does every investment in your portfolio have a reason to be there?
Over a career, accounts spread across different places, from workplace plans to brokerage accounts opened for goals that have since changed. We bring those pieces into one picture, explain what you own in plain terms, and build a portfolio within a broader wealth management approach, shaped by your timeline and the level of risk you describe to us.
- Rollover guidance for former employer 401(k) plans
- Risk tolerance and time horizon discussions
- Guidance for higher net worth households with more complex holdings
Risk Management and Life Insurance
Risk Management and Life Insurance
What happens to your family's plans if your income suddenly stops?
Household finances rest on income, and income can change quickly through an illness or the loss of a spouse. We look at the risks your household carries, decide with you where coverage belongs in your plan, and explain the role of life insurance and other protection in plain terms, so each policy has a clear job.
- Life insurance needs analysis for term and permanent options
- Review of existing policies for gaps and overlap
- Income replacement planning for a surviving spouse
Estate, Legacy, and Giving
Estate, Legacy, and Giving
Who receives what you've built, and how do they receive it?
Decisions about who inherits, who makes choices on your behalf, and how a gift reaches its destination all benefit from being written down while you can still explain them. We work alongside your attorney and tax professional to organize estate strategies and align beneficiaries with your wishes, then extend that planning to the people and causes you want to support over time.
- Beneficiary reviews across accounts and policies
- Charitable giving strategies and timing considerations
- 529 education savings plans for children and grandchildren
Business Owner Services
Business Owner Services
Where does the business end and your own financial future begin?
A business often holds a large share of an owner's net worth, and decisions about its future touch retirement, family, and income all at once. We help owners see personal and business finances side by side, which makes it easier to decide what to draw from the company and what to build outside it.
- Succession and exit planning
- Retirement plan options for owners and employees
- Protection planning for owners and key employees
OUR PROCESS
A Process That Stays in Step With Your Life
Every stage is designed to keep your plan moving alongside your life, from the first conversation through the years that follow.
4
steps
step 01
Welcome & Discovery
We learn your goals, values, and full financial picture together through our Financial Resilience Assessment.
Step 02
Planning & Strategy
Your goals connect to clear strategies and thoughtful recommendations, all shaped into a personalized plan.
step 03
Implementation
We put the plan into action and coordinate each detail so progress keeps moving forward.
step 04
Ongoing Reviews
We review, adjust, and plan for what comes next, so your strategy evolves with you.
Let’s Get Started
Ready to begin your
Financial Resilience Journey?
A first meeting gives you room to bring your questions and hear how Schanice would approach them, in words that need no financial background. Send a note through the contact form or choose a time on the calendar, and we will take it from there.