Comprehensive Financial Planning
At Denise M. Knight & Associates, we work with a diverse range of clients, from Millennials building their careers and families to couples transitioning into retirement. Whatever your goals, we aim to create cohesive financial strategies that address all elements of your financial picture.
Our focus is on building a customized and diversified portfolio that complements your other planning concerns. After we define your objectives, we develop a portfolio that may consist of bonds, Exchange Traded Funds (ETFs), mutual funds, stocks, or other investment vehicles, emphasizing risk management and diversification.
We serve clients in all phases of retirement planning, from building assets to living in retirement. Our aim is to identify opportunities for building wealth while employing conservative investment strategies, from contributing to a 401(k) plan to identifying appropriate IRA investments, mutual funds, and annuities. We can also offer guidance on 401(k) rollovers, how to create a steady and consistent stream of income that can last through retirement, and other complex financial elements of retirement.
Preserving wealth and leaving a legacy in a tax-efficient manner to family and heirs can be complicated and confusing. If an estate plan isn’t in place, your wishes may not be carried out, as the estate will be transferred to the state to handle according to probate laws. We seek to demystify the common misconceptions of estate planning, assist you in articulating your estate planning needs, and coordinate the work of other professionals who may be needed, including attorneys and CPAs.
A major concern among families is determining how they will pay for their children’s college expenses while still saving for retirement. We can help you evaluate funding options and create an education strategy tailored to your goals.
Business planning may help business owners avoid some of the common pitfalls that cause many small businesses to fail. From obtaining financing to selecting employee retirement plans, small business planning can help give your company the edge it needs to prosper. We can help you manage your earnings for growth and develop a succession plan designed to offer you a financially sound exit strategy.
Cash Flow Analysis & Debt Management
Some younger professionals are concerned with growing their family and careers while paying off debt. We develop debt management tactics designed to improve your cash flow, which may include refinancing, consolidation, or changes in tax withholding.
Insurance is an important part of a complete financial strategy. With access to a wide array of insurance products, we help you determine what type of coverage is appropriate for your circumstances, including life, long-term care, and disability options.