Your Financial Plan is more than just investment dollars – it is a dynamic, breathing, ever-evolving space where your assets and liabilities meet your goals, dreams, and aspirations.

How Does It Work?

First, we’ll work with you to create a comprehensive financial plan. We will gather information to establish an organized view of your current financial situation, define and clarify your goals, devise a tailored strategy with actionable steps to help make your goals a reality. These services may include, but are not limited to, the following:

Cash Flow Analysis and Debt Management

• Does your income support your spending/saving goals?
• How should you prioritize debt payments?
• Do you have an emergency fund for unexpected expenses?

Risk Management

• Do you have sufficient life insurance for your family?
• Are you adequately protected in your home, auto, and additional liability policies?
• Should you consider a disability or long-term care policy?

Retirement Planning

• Will you be able to retire?
• How much income will you need in retirement?
• Can your portfolio support your needs in retirement?

Investment Planning

• Do you have an Investment Policy for your portfolio?
• Is your asset allocation appropriate given your financial goals?
• Are you spending too much in fees?

Income Tax Planning

• Are you taking advantage of all tax saving options?
• Have you tax loss harvested?
• Is it time for you to work with a CPA?

Education Planning

• How much money should you set aside for college?
• How should you save for college expenses?

Estate Planning

• Do you have a will and other legal documents (power of attorney, living will)?
• Do you have a Trust?
• Are your beneficiaries up to date for all your accounts?

Employee Benefits

• Are you taking advantage of all employer benefits? 401(k)? HSA?
• Should you use your or your spouse’s benefit options?
• What are your options as a self-employed individual?

We offer two types of Comprehensive Financial Planning services:

1) Ongoing Comprehensive Financial Plan

2) One-time Comprehensive Financial Plan

 

ONGOING COMPREHENSIVE FINANCIAL PLAN

(HELP ME DO IT ALL)

With our Ongoing Comprehensive Financial Plan, we look at your entire financial picture, tailor a plan specific to you, and work together to achieve success, however you define it. If you’re looking for continual guidance and accountability, then this is for you, but our work is just beginning. We will meet in person or virtually at least once per year, up to once a quarter, to review your implementation, your progress and assess the need for any changes to your plan. We also ask our clients to reach out anytime they need assistance outside of scheduled meetings or if something in life changes that would affect their plan.

Fees for Ongoing, start with an initial $1,000 – $2,000 to begin the process, set up your personal portal and craft your financial plan, then $100.00 – $300.00 per month. These fees are based on the complexity of the client’s financial status, needs, wants, and wishes and are negotiable.

ONE-TIME COMPREHENSIVE FINANCIAL PLAN

(BUILD ME A ROADMAP)

Our One-Time Comprehensive Financial Plan is excellent for someone wanting the design, creation, and recommendations associated with a full-scope financial plan but needs no guidance. Once a final plan and accompanying recommendations are delivered, our work is done, and the client is responsible for taking any further action on implementing the recommendations made. This is a great way to try out planning without committing to ongoing comprehensive planning.

The fee for One-Time range between $400.00 and $2,000.00, is fixed and agreed upon, before any work is done. The fixed fee is based on the complexity of the client’s financial status, needs, wants, and wishes and is negotiable.