Cash Flow Management

Financial planning must become a dynamic process. Events and circumstances do not always occur as planned. For that reason a periodic review of your financial plan is necessary to give the planning process continuity and to ensure that your plan succeeds in dealing with your changing situation.

Changes in your personal circumstances, tax laws, inflation rates, the investment environment, Social Security benefits and other unforeseeable events could modify the outcome of your financial plan. By monitoring your finances on a regular basis, we can help coordinate your current circumstances with changes in investment opportunities and the economic climate.

It is crucial to have an in-depth financial independence projection that shows you, on a regular basis, how your current investments, retirement accounts and future savings will grow and be disbursed. This report can help you determine whether or not you are putting away enough funds now to live as you choose in the future.

Studying several projections based on different scenarios allows you to choose the best course for your future.

The projections we develop show details such as minimum distributions from your retirement accounts, income taxes due, payoffs of mortgages and college expenses, and net worth at the end of each year. We can then use this information as a “road map” to compare against your actual financial progress.

Gray Equity Management recommends financial reviews on the following schedule:

• Personal Financial Plan - Annually

• Money Management - Quarterly

• Immediate Review upon change in personal economic circumstances or major changes in economy
 

Securities offered through 1st Global Capital Corp., Member FINRA, SIPC.  Investment advisory services offered through Gray Equity Management, LLC.  Gray Equity Management, LLC and 1st Global Capital Corp. are unaffiliated entities.  We currently have individuals licensed to offer securities in the states of CA, CO, CT, FL, GA, IL, IN, KS, KY, ME, MD, MA, NH, NJ, NY, NC, OH, OR, PA, RI, TN, TX, VA, VT, WI and WY.  This is not an offer to sell securities in any other state or jurisdiction