Planning Services

Planning is not about anticipating every bump in the road or predicting every future opportunity. Rather, it is about setting goals and establishing the framework to get from point A to point B. At Hamilton Juffer, we view planning as a living process that adapts and modifies to accommodate economic shifts, new information, and trends as well as changes in situation, priorities, and results.

Financial Planning

An effectively structured financial plan gives you tools and strategies for dealing with the wide array of challenges you may face at various stages in your life. This could be anything from an inheritance to a business opportunity to a long-term illness to an unforeseen change in technology or business paradigm.

As experienced CPAs, we offer you a thorough working knowledge of the interrelated effects of income, gift and estate taxation on financial products. We will advise you on how vehicles such as trusts, insurance products and closely held businesses can be used to achieve your goals. Throughout the planning process, we help you evaluate your assets, determine your financial needs and develop strategies that will enable you to achieve your goals and strengthen your financial security. The comprehensive process takes into account a variety of financial components including:


▪ Funding education
▪ Estate planning
▪ Retirement planning
▪ Investment planning

▪ Asset allocation
▪ Cash flow, cash management, and budgeting
▪ Risk management and insurance
▪ Business transfer

Retirement Planning

It is never too early to plan for retirement, yet many procrastinate. At Hamilton Juffer, we unravel some of the mystery and simplify the process for our clients. The first half or more of our adult lives is dedicated to the accumulation of assets, which is the best time to prepare for the next phase — retirement and hopefully financial freedom. During the accumulation phase, we work with our clients to determine how much they will need for retirement and develop strategies for achieving these objectives. Planning like life, however, does not stop upon reaching retirement. Many people find their retirement or semi-retirement can last decades—as long as or longer than their working careers. It is extremely important to develop plans that ensure you do not outlive your retirement funds and resources.

Estate Planning

Effective estate planning facilitates the orderly transfer of assets to beneficiaries, provides security for the surviving spouse and can reduce or eliminate the tax due upon the transfer of a business and other assets. For business owners, providing for continuity and smooth transitions is imperative for ownership and leadership succession. We can guide you through the complex process of getting your financial affairs in order and transitioning the assets to future generations

Planned Giving

Whether you are actively funding philanthropic causes or planning for future gifts to be awarded upon specified intervals or death, Hamilton Juffer + Associates can help you establish and manage a planned giving strategy. We look at planned giving through a comprehensive lens that also takes into consideration your entire financial picture as well as tax laws, legacy objectives and successive generations.