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Financial Planning

A plan for the decisions that shape your financial life

Financial planning becomes more important as your financial life becomes more connected. Income, taxes, investments, retirement, business ownership, estate planning and family goals often influence one another.

Davie Kaplan helps individuals, families and business owners build financial plans that reflect the full picture. Our financial advisors work alongside CPAs when appropriate so tax considerations and financial planning decisions can be evaluated together. 

Tax-Aware Planning for Life’s Financial Decisions

A strong financial plan helps you understand where you are today, what you want to accomplish and what decisions may affect your future.

For some clients, that means preparing for retirement or evaluating investment decisions. For others, it means planning around business ownership, family wealth, charitable giving or the transfer of assets to the next generation.

Our team helps clients organize these decisions into a plan that can evolve as life, markets, tax rules and family priorities change.

What Financial Planning May Include

Financial planning is not a single decision or document. It is an ongoing process that connects the different parts of your financial life.

Investment Strategy

Aligning your portfolio with your goals, risk tolerance, time horizon and broader financial plan.

Retirement Income Planning

Evaluating how savings, investments, taxes and timing may support your lifestyle in retirement.

Tax Planning

Considering how income, investments, charitable giving, retirement distributions and business ownership may affect your tax picture.

Estate and Legacy Planning

Helping you think through how assets may transfer, how family members may be supported and how charitable goals may fit into the plan.

Business Owner Planning

Connecting business decisions with personal retirement, succession, investment and estate planning goals.

Insurance and Risk Review

Reviewing life, disability, long-term care and other coverage considerations that may affect your financial plan.

Major Life Decisions

Planning around inheritance, liquidity events, career changes, education funding, family transitions or other financial turning points.

Our Tax-Aware Planning Approach

Taxes can affect nearly every major financial decision, from retirement income and investment strategy to charitable giving and estate planning.

Because Davie Kaplan includes both tax and wealth professionals, clients can benefit from a coordinated process. Financial advisors and CPAs work alongside one another when appropriate so each professional contributes from their area of focus.

Planning That Evolves Over Time

Planning That Evolves Over Time

A financial plan should change as your life changes. Retirement may move closer. A business may grow or transition. Family responsibilities may shift. Tax laws, markets and personal priorities may change over time.

Davie Kaplan works with clients over the long term, helping them revisit their plan, evaluate new decisions and adjust strategies as circumstances evolve.

Financial Planning for Business Owners

Financial Planning for Business Owners

For business owners, personal financial planning often depends heavily on the company. The business may be a primary source of income, one of the largest assets on the balance sheet and a central part of retirement or succession planning.

Davie Kaplan helps business owners consider how company decisions may affect personal retirement goals, tax planning, investments, estate planning and future transition options. This is especially important when ownership, compensation or succession decisions are ahead.

Frequently Asked Questions

What does financial planning include?

Financial planning may include retirement income planning, investment strategy, tax planning, cash flow review, estate planning considerations, charitable giving, insurance review and planning around business ownership or major life changes.

When should someone start financial planning?

Financial planning is valuable whenever financial decisions become more connected or more complex. Many people begin when they are preparing for retirement, managing business ownership, receiving an inheritance, selling a business or thinking more seriously about long-term goals.

How is financial planning different from investment management?

Investment management focuses on how assets are invested. Financial planning looks more broadly at income, taxes, retirement, estate planning, cash flow, family goals and how investment decisions fit into the larger picture.

Why does tax planning matter in a financial plan?

Taxes can affect retirement income, investment decisions, charitable giving, estate planning and business ownership. A tax-aware planning process helps clients understand how financial decisions may affect their overall tax picture.

How can business owners benefit from financial planning?

Business owners often have income, wealth, retirement goals and estate plans tied closely to the company. Financial planning can help connect business decisions with personal retirement, investment, succession and tax planning goals.

Want to talk with our team? Connect with us. 

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