Cash Flow and Debt Analysis

Cash flow analysis is simply looking at the income coming in versus the expenses going out.  We’ll look at some different strategies to help manage the amount you’re paying in taxes and the income that you’re bringing home.  The IRS isn’t very good at informing the public on how to save money in taxes but there are investment strategies that could reduce what you’re paying to the IRS now, and over time.  Along with reviewing your cash flow we’ll also determine how much should be set aside as a cash reserve for emergency expenses and interruptions in income.  We’ll put together a plan for building up an appropriate amount for a reserve and determine the best strategy to keep the cash invested yet available for your needs.

Debt analysis is the process of reviewing your liability payments (mortgage, student loans, car payments, etc.) and developing a plan for paying those down while simultaneously saving for your goals.  The choices you make in determining how much to save versus how much to apply towards your debt could have a significant impact on your ability to fund your future plans and goals.  We’ll help you determine how much you should be putting towards each of those.  We can also do an analysis of how an early payoff of a loan or mortgage would impact your goals over time.