Luke McCord (CFP®)

Planning Specialties

CASH FLOW AND DEBT MANAGEMENT I’ll review your income and expenses so we can see the surplus or the shortfall. Then we’ll decide what comes first — an emergency fund, high-interest debt, or the next family goal — and how to pay debts in the order that actually saves you money. COLLEGE FUNDING We’ll project what college may cost, look at 529s and other savings options, and build a plan that funds education without putting retirement at risk. RETIREMENT PLANNING We’ll look at whether you’re on track for financial independence, how much to save, how to invest, and how workplace plans and Social Security fit the picture. RISK MANAGEMENT We’ll review life, disability, property, and long-term care coverage — what’s enough, what’s extra, and what to change so one event doesn’t undo the plan. MONEY GOALS We’ll name the goal, the dollar amount, the timeline, and the monthly number that makes it real. INVESTMENT REVIEW We’ll set a simple allocation that matches your goals and risk, review 401(k)s, IRAs, and taxable accounts, and help you implement at a custodian that fits. No product sales.