{"id":243,"date":"2022-04-03T08:58:23","date_gmt":"2022-04-03T08:58:23","guid":{"rendered":"https:\/\/bdc-client.com\/coastline\/?page_id=243"},"modified":"2025-07-02T13:30:14","modified_gmt":"2025-07-02T13:30:14","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/bdc-client.com\/coastline\/services\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"243\" class=\"elementor elementor-243\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ffb16b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"9ffb16b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff007f8\" data-id=\"ff007f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-907d93e elementor-widget elementor-widget-heading\" data-id=\"907d93e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Financial Planning<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2504b2d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2504b2d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aaabe5d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aaabe5d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dcd2d07\" data-id=\"dcd2d07\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d145303 elementor-widget elementor-widget-heading\" data-id=\"d145303\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial planning is making sure that your investment plan dovetails with your estate plan, your retirement plan, your insurance plan, and your tax plan.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e71b200 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e71b200\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19e329a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19e329a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-363f590\" data-id=\"363f590\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fa45f3 elementor-widget elementor-widget-text-editor\" data-id=\"3fa45f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Beating the Standard &amp; Poors 500 stock index is great but it doesn\u2019t make up for having an inferior estate plan. At a minimum, everyone should have a basic will, durable financial power of attorney, and health care power of attorney. In many instances, combining these documents with a living trust and other trust structures with provisions that maximize estate tax savings upon your passing will assist you in not only meeting your financial goals during your lifetime but ensuring the maximum amount is passed on to your heirs.<\/p><p>Your retirement plan must contemplate not only saving enough during your working years, but also investing it with an appropriate asset mix (cash, bonds, stocks, etc.). The next step is to determine how much can be taken out each year and when to start drawing on your retirement funds to meet IRS required minimum distribution requirements. We can help you navigate this complex situation, which is exacerbated by a complicated tax code. Finally, passing along your IRA assets to the next generation without triggering negative tax ramifications requires precise titling of your IRA.<\/p><p>When it comes to income taxes, it is important to maximize your after tax rate of return on your investments. It is not what you make but what you keep that is important. Our mission is to help you be as tax efficient as possible so that your nest egg can grow and better help you meet your financial objectives.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial Planning Financial planning is making sure that your investment plan dovetails with your estate plan, your retirement plan, your insurance plan, and your tax plan. Beating the Standard &amp; Poors 500 stock index is great but it doesn\u2019t make up for having an inferior estate plan. At a minimum, everyone should have a basic [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":19,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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