Planning Services

Maybe you don’t need a comprehensive financial plan right now. Very often, investors come to us seeking financial guidance in one or two areas, like college funding or retirement planning. We give you the flexibility to choose the services with which you’re comfortable.


Infinity makes it easy to manage your personal spending, saving, and investment plans to help bring you closer to your goals. We also make it simple to check your progress through our advanced online technology.

We start by helping you aggregate all of your financial accounts (assets and liabilities) and financial documents in one place. You can access a current view of your finances, including expenses, income, savings, and disposable income, at any time. We help you determine short- and long-term financial goals, and we create a flexible, everyday budget that helps you achieve them. We’ll review your progress together, and we offer coaching and guidance whenever you need to make adjustments.

Education Funding

Infinity can help you prepare and pay for higher education expenses for yourself or your loved ones. Here’s how we guide you to the best solution for your situation:

We assess current education savings accounts, savings rate, college choices, years until college, and the cost of in-state and out-of-state tuition and fees.
Savings and investment goals are set relative to the anticipated tuition and fees for specific colleges, and/or the average costs for private colleges or public colleges, as well as your tolerance for portfolio volatility.
We explain and offer education savings options, which may include Uniform Gifts to Minors/Uniform Transfers to Minors Accounts (UGMA/UTMA), 529 college savings plans, and Coverdell Education Savings Accounts.

Retirement Planning

Our advisors help you plan and save for a secure retirement. Here’s how we guide you to a solution that’s right for you:

We consider your current employer-sponsored and/or individual retirement (IRA) accounts, family status and living expenses, risk profile, taxes, income sources, and time horizon.
We help you create a plan that will support your vision of the ideal retirement, including recommendations for asset allocation of retirement-related assets, your savings rate, and social security options.
We explain and offer retirement savings options, including IRAs, Roth IRAs, SIMPLE IRAs, SEP Plans, SARSEP Plans, and other investment vehicles.
Once you have plans in place, we’ll revisit them periodically to account for changes in your financial situation or personal goals.

Estate & Legacy Planning

Estate and legacy planning helps ensure that your assets are transferred to your beneficiaries before and after your death, according to your wishes. Here’s how we help you create a sound plan:

We evaluate your net worth and anticipated inheritance taxes, and we suggest strategies to increase the estate value passed to heirs. To do this, we analyze your retirement needs, insurance coverage, real estate holdings, income and expenses, tax situation, and gifting strategies.
We work with your estate attorney to prepare and implement a modern plan, consistent with current laws.
Your plan is designed to help maximize the value of your estate assets by minimizing taxes, death and other expenses. It can also help ensure that estate settlement will be as efficient as possible, your assets will benefit the beneficiaries you choose, and your planned giving choices while alive will not erode your financial legacy.
We’ll be your advocate as you and your lawyer create a Last Will and Testament, Power of Attorney, and Healthcare Proxy. It may also include, but not limited to, Trust Accounts to eliminate the uncertainties of probate for your heirs.

Insurance Consulting

While insurance agents sell you insurance, Infinity advisors start by analyzing your insurance needs relative to the big picture–your overall financial position. Here’s what insurance consulting involves:

We help guide you to the right types of insurance, at affordable rates, to help protect your assets, lifestyle, and estate.
Your advisor will consider any personally-owned and employee group life, group disability, and/or group long term care coverages.
We help ensure that your life, disability, and long- term care insurance coverages are sufficient to cover your risks and achieve your goals.
As independent insurance agents, we provide non-partisan access to a broad selection products offered by major insurance carriers throughout the United States.
We can work with your property and casualty insurance providers to offer our input regarding sufficient automobile, umbrella, homeowner/renters, and personal property coverages to protect your assets.

Tax Planning

Money you can avoid spending is just as important to your bottom line as the money you earn. Here’s how we help you minimize your tax liability:

We analyze your taxable income and look for strategies to reduce your tax liability. This can include strategically scheduling eligible deductions, scheduling stock sales to minimize capital gains, and tax-loss harvesting.
We may also recommend simple, yet effective, charitable giving strategies that reduce your taxable estate and help you to maximize tax deductions.
For education savers, we will also explore investment strategies to reduce your taxable estate and generate tax-free asset growth.
We are prepared and pleased to coordinate tax planning efforts with your accountant and/or tax attorney.

Business Succession Planning

As a business owner, you want to protect your ownership interest upon disability, retirement, or death. Creating a business succession plan gives peace of mind to your successor(s) and your family by providing timely settlement of your estate and a more seamless transition process.

Your advisor works with you to establish your goals and objectives for potential scenarios and a decision making process.
We create your estate plan, which includes business succession and transition plans. Traditional business transfer methods include cross- purchase agreements and entity purchase agreements and typically are funded by life insurance. Life insurance pays immediately upon death, so there are no liquidity or time constraints.
We assist you in determining today (and agreeing with partners, if applicable) how the business will be valued, eliminating the need for valuation at death.
This planning process is complex and can become emotional, especially if family members are involved. If you have a family-owned business, we will discuss the these key succession issues:

  • Transition of the business to the next generation
  • Alignment of family interests and avoidance of disputes
  • A fair and balanced buyout agreement
  • Estate and inheritance issues

We work closely with your business lawyer and accountant to ensure the plan considers all legal and taxation ramifications.

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