STRATEGIC FINANCIAL PLANNING SERVICES

CLARITY

Our comprehensive wealth planning strategies are designed to assist our clients with achieving their tax, estate and financial objectives.

FOCUS

VPA designs strategies to optimize wealth.

RESULTS

A tax, estate and financial plan provides confidence in a secure future.

PROCESS OVERVIEW

DISCOVERY

Our planning process provides a clear context for decision making based on a client's situation and objectives.  This methodical process includes client interviews, meetings with clients' other professionals, and document reconciliation on an ongoing basis.

MODULAR FINANCIAL PLANNING

Our clients often ask us questions such as "How much can I spend?", or "How much can I give?" Although we can provide approximate answers fairly quickly, the ultimate answers really depend on the actions our clients take. We support our clients with the development and evaluation of alternative courses of action. The planning services we deliver include the following:

Financial Modeling

  • Projections and scenario analysis
  • Retirement planning
  • Situational planning

Tax Planning

  • Income tax mitigation strategies*
  • Planned giving strategies
  • Estate planning strategies*

Specialized Planning

  • Executive compensation planning
  • Business exit planning
  • Divorce or estate administration support

Other Planning

  • Budgeting and cash flow management
  • Debt optimization
  • Insurance program optimization
  • Evaluation of tax, insurance, and estate professionals

* Vernal Point does not provide tax or legal advice. We focus on supporting clients' tax and legal professionals with strategic planning and financial modeling.

INTEGRATION

Additional value can be created by integrating various planning strategies developed for our clients.  This involves frequent interaction with the client's legal and tax professionals to determine how to optimize objectives and strategies. 

The planning process also generates insights that inform the construction of customized investment portfolios for our clients.  To preserve these insights, we assign each client a cross-disciplinary professional to be involved throughout all processes.

COMMUNICATION

Client buy-in is essential for success.  To this end, we educate our clients throughout the process and document our mutual understanding to establish standards by which we are held accountable.

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