Comprehensive Planning

Wealth Management Services for Individuals & Families

McHarg & Associates takes a proactive approach to wealth planning with the ultimate goal of helping individuals and families preserve their lifestyles now and throughout retirement. We begin by learning what’s most important to you and developing strategies aligned with your personal goals and objectives.

We take the time to educate you on your financial situation and the opportunities available to you, bringing clarity to even your most complex financial challenges in these and other areas:

Financial Planning

  • Goal planning
  • Cash-flow and income analysis
  • Financial organization and oversight
  • Multi-generational planning

Investment Management

  • Asset management strategies
  • Tax-sensitive investments
  • Income strategies

Retirement Planning

  • Retirement income planning
  • 401(k)/403(b)/457/IRA Distribution Planning
  • Lump sum pension rollovers
  • Pension income decisions
  • Traditional and Roth IRAs
  • Pre-retirement savings planning
  • Social Security planning

College Planning

  • Education savings strategies
  • 529 plans

Insurance Planning

  • Asset-protection strategies
  • Life insurance analysis and review
  • Disability insurance analysis and review
  • Long-term care insurance

Estate & Legacy Planning

  • Estate planning document(s) review
  • Wealth transfer strategies
  • Beneficiary review
  • Philanthropic planning
  • Charitable trust strategies
  • Private foundations
  • Trust management services

Domestic Partner Planning

  • Financial planning under DOMA
  • Tax implications and strategies

Women’s Financial Strategies

  • Life stage planning
  • Divorce financial planning
  • Loss of a spouse financial planning