• Business Planning

For entrepreneurs and business owners, incorporating business financials into the overall plan, including business expansion, succession planning, and exit strategies.

  • Wealth Management

Analyzing and optimizing investments, including stocks, bonds, real estate, and other assets, to maximize returns while managing risk.

  • Retirement Planning

Creating a detailed plan to ensure financial security during retirement, including estimating retirement expenses, identifying suitable retirement accounts, and managing income streams.

  • Special Circumstances

Addressing unique financial situations or goals, such as dealing with windfalls, divorce, or international investments.

Complex financial planning involves creating a comprehensive and sophisticated strategy to manage an individual's or an organization's financial affairs. At FWS, Inc. , services goes beyond basic budgeting and savings and typically includes the following elements:

  • Wealth Management
  • Estate Planning
  • Business Succession Planning
  • Retirement Planning
  • Charitable Planning
  • Risk Management
  • Tax Planning
  • Specialized Investments
  • Education Planning
  • Specialized Investments

Exploring alternative investments like hedge funds, private equity, or venture capital, depending on the individual’s risk tolerance and financial goals.

  • Education Planning

Saving and investing for education expenses, such as college tuition, for oneself or family members.

  • Estate Planning

Preparing for the transfer of assets to heirs or beneficiaries while minimizing estate taxes, including the creation of wills, trusts, and power of attorney documents.

  • Tax Planning

Strategically minimizing tax liabilities through legal methods such as tax-efficient investments, deductions, credits, and estate planning.

  • Risk Management

Evaluating and managing various risks, such as health, life, disability, and liability insurance, to protect against unexpected financial setbacks.

  • Charitable Giving

Incorporating philanthropic goals and strategies into the plan, including gifting strategies and charitable foundations.