Lincoln Pain - Effective Assets

We serve people who wish to use their investments to help change the world for the better. We have been specializing in socially responsible investing (SRI) for families and individuals and mission-based investing for organizations for a cumulative 31 years. We provide three basic services: Financial planning for families and individuals (fee-based); Portfolio Management (SRI); Advice to fiduciaries of non-profits, labor unions, trusts and progressive businesses. Financial Planning: Financial planning is both a personal and a financial process. We begin all financial planning with deep goal assessment and a mission statement. All planning is guided by a combination of goals and financial needs. The core of a plan is a calculation of what it will take for you to realize your present and future needs and goals. The financial planning process looks at a number of areas including cash flow, investments, risk management, retirement, taxes and estate planning to help answer a number of important questions including: Are you saving enough? What should you save? What should you invest? How should you invest?; Are the companies you are invested in adding to the world's problems? How can you invest to make the world a better place? How can your financial plan serve you and your values?; How should you allocate your investments? How much? How much will you be able to spend? How much can you spend now? If you have children, what is the best way to invest for their education? Other support?; What do you need to keep you safe? How much emergency fund should you keep? How much insurance? Are your home owners/renters, auto and other liability insurance policies coordinated?; How should you structure your estate planning documents (will, powers of attorney, etc.)? If you are a œnon-standard family, what extra tax and estate planning do you need to do? How can you make sure that you will have a say in a partner's care in a hospital?; When can you retire? When should you begin taking Social Security? How should your retirement plans be structured? How should you withdraw your money from your portfolios? And how will you coordinate all of these considerations, and more? We have been helping people answer these questions, and others, for a cumulative 31 years.