“Investment Planning” too often boils down to cookie-cutter investment mixes and overly simplified questionnaires regarding your financial needs. It’s better than nothing, but it’s impersonal and vague.

Our process encompasses much more than these simplified planning solutions. We have a process to evaluate the planning opportunities and potential pitfalls for our clients.

While every client’s situation is unique our process includes such areas as: Social Security Claiming Strategy, Qualified Charitable Donations(QCD), IRA Required Minimum Distributions(RMD), Wills, Trusts, Avoiding Probate, 529 plans, Tax Efficient Investing, Portfolio Risk and Reward Analysis, Cost efficient Investing, Family Tree, Beneficiary Designation Reviews, Health Savings Accounts, Net Unrealized Appreciation(NUA), Cash Flow Distribution Process, Life Insurance Needs, Backdoor Roth IRA’s, Liability Management, Family & Philanthropic gifting, Life Insurance

But perhaps most importantly, we organize this information in one easy to understand summary. That’s The Pharos 360 process. Taking complex analysis and solutions, rolling up our sleeves and putting our advanced training to work, then summarizing this work in one easy to understand document. Comprehensive Advice, Cost-effective solutions, Bespoke Service. That’s what we believe makes Pharos Financial Advisors different.