Helping You Plan
Fee-Based Financial Planning
We support individuals and small business owners in reaching short and long-term financial goals by taking a holistic relationship-based approach to financial and retirement planning. Following our initial service, we do periodic reviews to monitor progress and to help ensure you are still on track.
Financial Planning for Your Future -
ESTABLISH GOALS
Establish Goals
We begin by talking about your objectives and concerns. Then, we go through the process with you, explaining what you can expect and the associated fees. We help you understand the ‘whys’ behind the numbers and begin prioritizing your goals based on your needs.
ANALYSIS
Analysis
We begin the analysis by verifying plan data and highlighting areas of concern or opportunity. We then share our initial findings with you and follow up by collaborating on possible scenarios that lead to our custom recommendations and actionable plan.
PLAN REVIEW
Plan Review
We discuss our recommendations and strategies with you, answer any questions and review an action plan by charting a specific time-sensitive path to help achieve your financial goals.
IMPLEMEN
TATION AND
MONITORING
TATION AND
MONITORING
Implementation* And Monitoring
Together we decide on an action plan for implementing the recommendations. We will then be in touch several times throughout the year to monitor your progress.
The Fundamentals of Financial Planning
_ CASH-FLOW ANALYSIS _
We take a comprehensive look at your spending trends, then help you establish a budget based on the annual amount you need to live off and remaining surplus amount. In the event of outstanding debt, we advise you on a viable repayment strategy.
_ RISK MANAGEMENT ANALYSIS _
We review all your insurance policies based on your current needs and intended beneficiary arrangements. We help you determine if you need more, less, or a different type of insurance protection and present potential solutions to help ensure you are still on track.
_ INVESTMENT ANALYSIS _
We review your investment portfolios based on your risk tolerance. This will give us a perspective as to how you are invested, in comparison to your risk tolerance.
_ TAX/ESTATE PLANNING STRATEGIES _
We research income tax methods for legacy, trust, multi-generational wealth and business succession plans, either through general tax strategies or tax-efficient portfolios that reduce capital gains. We then work with your CPA and trust & estate attorney to review the recommendations.
eMoney Software
We use eMoney* interactive technology to tie all your finances together in one convenient place for oversight.
You are provided with 24 /7 access to keep easy tabs on money and goal progress.
