Financial planning is not a one-time event, but rather a process. A well defined financial plan should change as your circumstances change. A young family does not have the same needs or concerns as a couple closing in on retirement. A Fortune 500 executive has very different needs than someone recently widowed or a small business owner entertaining offers on the sale of their business.

While investments are certainly a vital part of a financial plan, for some they are just the tip of the iceberg. Having enough life insurance, a proper estate plan, minimizing taxes may be the most important issue. Or maybe it is seeing the available income options on your highly appreciated real estate. Whatever the need for each of us, it should be customized to our specific situation.

At RS Crum, one size does not fit all. We make sure that each and every client has their own individual needs addressed in a customized manner. We like to say we view the whole client, not just their brokerage accounts.








The following are a few of the areas that RS Crum can help:

•   Real Estate Consulting
•   Business Consulting/Coaching
•   Budgeting & Cash Flow Analysis
•   Investments
•   Family Wealth Consulting
•   Estate Planning
•   Retirement Planning
•   Tax Planning
•   Risk Management

Real Estate Consulting

We have consulted in real estate for nearly thirty years because for many of our clients, real estate is a large portion of their net worth. We work with you to determine whether you should buy, sell, exchange, or hold on to your properties. We will coach you through valuations, transactions and whether or not to increase rents. Unlike a real estate agent, we have no interest in selling you on a property that isn’t right for you.


Business Consulting/Coaching

Small business owners have a lot on their plate. We can assist with personnel issues, negotiating leases, locating finances (for acquisitions and expansion), even buying out your partner. Whatever assistance you made need with your business, we can help.


Budgeting & Cash Flow Analysis

A basic budget is the building block of every financial plan, yet few advisors actually sit down with their clients to create a living budget. We will develop a customized personal budget with you so that you can attain your financial goals. We can also set up a bill payment service and offer debt consolidation when needed.


Family Wealth Consulting

Succession planning can be a thorny issue for many families. We can assist you in creating a plan to pass the family business on to the next generation.


Estate Planning

We work with you and your legal and tax professionals to develop a customized estate plan. We can also assist you through the estate settlement process if a family member passes.


Retirement Planning

We analyze and implement the appropriate plan to put you on the right track towards retirement.


Tax Planning

Working with your tax advisor is critical to the planning process. Because tax impacts every aspect of your financial picture, we provide reasonable recommendations to reduce your tax burden.


Risk Management

A review of your insurance (homeowners, auto, life, liability, etc) can ensure that you and your loved ones are provided for should a life changing event occur.


Investments

Our investment plan is designed for careful growth with conservative, consistent returns. We use alternative investments, hedging strategies, and diversification techniques with an eye towards avoiding the “big loss”.