The process of evaluating the advantages and disadvantages of current and proposed securities investments as compared to other investments. Determination of investment objectives. Provision of advice as to the selection or retention of an investment manager or managers. Periodic review of asset allocation and of changing financial circumstances that may impact plan investment objectives. Review of savings rates for retirement and other goals.

The process of determining retirement goals and the actions and decisions necessary to achieve those goals. Retirement planning generally includes identifying sources of income, estimating expenses, determining a savings program and managing assets. Future cash flows can be estimated to determine the viability of achieving retirement income goals.

The process of helping Client determine how the intricacies of tax planning may impact future goals. The purpose of tax planning is to ensure tax efficiency. Considerations include timing of income, size, and timing of purchases and planning for other expenditures. Also, the selection of investments and types of retirement plans are timed to attempt to complement the tax filing status and deductions to create the approrpiate possible outcome. Please review all strategies with your tax adviser as we do not provide tax advice.

Assist with major events that may change a Client’s financial status or circumstances such as a new job opportunity, divorce, death of a family member or other significant turning points in a person’s life.

The process of assisting an individual with their finances. This process includes gathering data about a Client’s income and expenses to formulate recommendations to help the Client meet their financial goals. In addition, formulating the most efficient plan to leverage & pay down debt.

The process of addressing the ability to protect against unexpected events and is usually addressed with insurance products. Specific analyses and recommendations in this area address: life insurance, disability insurance, long term care insurance, and health insurance.

The process of projecting the estimated capital needed to fund an education goal along with exploring alternate funding options (e.g. scholarships, grants, and available tax credits).

The process of planning for lifetime gifts or gifts at death as part of a Client’s financial or estate plan. Strategies evaluate how Clients can support philanthropic organizations, make substantial gifts and also address their own financial needs.

The process of assisting with and reviewing proposed social security benefits. Taking into account the client's current and future financial position, our goal is to help them determine the approrpiate course of action.

A part of risk/insurance analysis that is particular to individuals age 65+. Medicare is a government provided health program. We assist in reviewing available medicare plans and determining which plan is the approrpiate fit for the client.

Preparation and review of documents and financial analysis that serves to manage an individual’s asset base in the event of his or her death, including the bequest of assets to heirs and the settlement of estate taxes. Please review all strategies with your legal and/or tax advisers, as PAS does not provide legal or tax advice. 

For some there are special financial considerations that need to be taken into account. It can be a professional restriction, faith-based concern, family/household/dependant concern, or just something unique to you that has an impact on your financial plan.