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Westward Financial Strategies and Lifestages Financial Planning are combining into one full-service financial firm as a part of our commitment to helping you, our clients, and your referred friends and family define and progress toward your financial goals. We know that some days you want to retire "yesterday".  Other days you feel like you could work for as long as your health will allow.  The truth is none of us knows when we will actually retire because there are elements we simply can't control.  For the elements we CAN control, we utilize our Principals' combined 40 years of planning experience and a rules-based system to craft an investment plan to help you invest more fearlessly.  For the elements we can't control, we design an insurance plan that makes sense to help you keep the ground you've gained toward your financial goals.  For the unknowns where we cannot predict or insure, we build contingencies into your plans to help you have the flexibility to handle life as it unfolds.

One thing our clients have taught us over the years is that we all have different ideas of what success looks like.  It takes more than numbers to feel confident about where you are -- It takes a plan.  It also means working with your other professionals -- your estate planning attorney, your tax advisor, and others, to make sure that you're making smart moves to minimize taxes and to ensure an orderly administration of your medical and financial affairs in the case of a disability or your death.  We work with your other advisors to help you take the steps to get your life in order and communicate it to those who you've decided need to know.  Think of it as continuity planning for your life.  How will your business run, your household run, who will care for your pets when you can't? (you must name someone!) 

We offer a wide range of financial products and services to make sure that anywhere you can help it, your life's work is not left to chance.  You've used your talent, your time, and invested emotionally in the life you've built.  We help you make the most of the fruits of your life by showing you how to grow your finances and protect those you love who you want to benefit from your life's work. It is our goal that through working with us, you gain the confidence that comes from knowing you can deliver on the important promises you make to yourself and those who count on you, day in and day out.

We hope you will find this site useful and will make it one of your resource centers.  We choose to grow by referral so that our time is spent bringing the high level of service you have come to expect from us.  If you know someone who can benefit from our level of service, please tell us about them so that we can reach out to them to see if we are the right match for their needs.

We serve individuals and business owners in all areas of financial planning, including:


Investment Management*
Full financial planning
Business buy-sell planning
Goal-based financial planning (college, retirement, business succession)
Retirement Strategies 
Estate Planning & Administration

Life, Disability and Long-Term Care Insurance and Annuity Products

Alternative Investments
1031 programs

Helpful Content

Insuring Your Business With a Buy/Sell Agreement

Insuring Your Business With a Buy/Sell Agreement

It may help your business be better prepared in the event of the death of a principal or key employee.

Mastering Mobile Lingo

Mastering Mobile Lingo

Can you keep up with your children’s mobile slang?

Understanding the Alternate Valuation Date

Understanding the Alternate Valuation Date

Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."

 

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Tips on insuring your teen driver.

Insurance Needs Assessment: When You're Young and Single

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Personal Finance Tips for Military Families

Military families face unique challenges, making personal finance even more critical.

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Life insurance proceeds are generally tax-free. But not in all cases.

Traditional vs. Roth IRA

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Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Impact of Taxes and Inflation

Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

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Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

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Learn more about taxes, tax-favored investing, and tax strategies.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

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The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

The Power of Tax-Deferred Growth

Why are 401(k) plans, annuities, and IRAs so popular?

Inflation and Your Portfolio

Even low inflation rates can pose a threat to investment returns.

The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

When Special Care Is Needed: The Special Needs Trust

A special needs trust helps care for a special needs child when you’re gone.

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