Financial Planning
Beyond ‘Just’ Investments
We take financial planning beyond just investments, because your life is more than dollar signs. You think about more than than just saving for retirement or outliving your money. We create 100% custom financial plans for you that are optimized to your own needs, personality, and goals. Remove the headache of complexity and the heartache of uncertainty while receiving comprehensive advice from a fiduciary & fee-only Certified Financial Planner.
Areas of Financial Planning
Discovery.
Do you know all of your goals and priorities? Most people don't. We'll learn about you as a person and uncover what matters most to you. Our planning process is goal-focused and driven.
Get Organized.
How much time do you spend trying to remember, or just resetting, all the various passwords to all your financial accounts and products? Probably too much. This is an easy problem to fix, and we can help you get it all sorted out.
Income & Compensation.
Income is simply a measure of your salary, while your true compensation encapsulates all of your benefits, perks, and bonus potential. It’s often a better, and more accurate, reflection of what your job is financially bringing to the table.
Savings & Expenses
The idea of saving for tomorrow is something that always sounds great, but is harder than it seems. Without a savings plan, your goals inevitably fall by the wayside in the face of short-term expenses. We help you save for your short- and long-term goals by evaluating your spending structure in a targeted financial plan.
Cash Flow
Cash flow is king. It’s the driver behind feelings off financial satisfaction or stress. Ever wonder why you have more money than you are saving or spending? Or ever wonder why you barely have enough money to make ends meet each month? It’s all about cash flow, and we work with you to create a net positive result that dramatically reduces stress in your life and helps you reach your goals.
Tax Planning
As the old saying goes, taxes—and one other thing—are unavoidable, but at least we can control and minimize taxes! We’ll discuss the tax efficiency strategies that you can incorporate now and in the future.
Risk Management
When the worst happens, you want to know you’ll still be financially sound when the dust clears. In this important area, we discuss why you need certain coverage types and how much you should have, so you can sleep well at night knowing you’re protected while paying the absolute minimum.
Debt Management
You hear about good and bad debts in your life. Having the wrong debt structures in place can wreak havoc on your life. Taking out the right debts, in prudent amounts that are coordinated with your financial plan, can supercharge your progress towards what matters most to you. Your financial plan gives you the tools to break free from bad debt and stress, see the light at the end of the tunnel to become bad-debt-free, and build greater financial flexibility and security.
Retirement Planning
A major part of your comprehensive plan focuses on retirement. Significant planning is needed, whether you’re currently in retirement, evaluating retirement, or are still working with retirement far on the horizon.
Legacy Planning
Providing the next generation with financial betterment can be achieved using legacy planning techniques that reduce taxation and fulfill your personal aspirations.
Business & Practice Management
One of the primary goals of almost any business is to make money and keep as much of that money as possible in the form of profit. We can help you identify best practices surrounding the structure, employee compensation, and tax issues you’ll face as an entrepreneur.
Investment Management
By selecting a diversified set of funds, your qualified retirement accounts can be optimized to meet your personal needs and your dreams for the future.
Our Financial Planning Process
Consultation
We learn about what’s most important to you and clearly explaining our financial planning process, service offerings, and philosophy.
2. Evaluation
We will determine if we are a fit and formalize which service offering is best for you. There may be some data gathering in advance of this meeting.
3. Discovery
Focusing on your concerns, goals, and desires will allow us to understand your unique needs and objectives.
4. Get Organized
We will collect any necessary information while helping you sort through your financial lives and get organized.
5. Diagnosis
Analyzing and evaluating your current financial status together using our financial planning software.
6. Treatment
Developing and presenting financial planning strategies. The goal is to commit to a schedule to implement each item on our action plan.
7. Implement
We will implement all financial planning recommendations together and have meetings scheduled to educate on all areas of financial concern.
Ongoing Monitoring & Planning
Once we complete your initial financial plan and implement all recommendations, we’ll continuously monitor your plan to find improvements and adapt to life’s changes.