Working with us through comprehensive financial planning, we act as your financial life coach. We are always on your side, always looking out for you, and someone you can trust. You will have someone who knows your specific situation to help you make the best choices in life, leading you to financial freedom.
Your investments will be allocated in a way that meets your goals. We will work with you throughout the year, not just when it is time to file your tax returns, so we spot new opportunities for tax savings as they arise.
Taxes and investments are key components of your personal financial plan, but peace of mind comes from attention to all aspects of your financial life.
Financial planning would be easy if life always progressed according to plan. Life is a series of transitions—some planned, some unplanned—and the financial decisions made during these transitions can be the most critical ones.
The time we take to understand you—your goals, your values, your relationships, your personal history, every aspect of your finances—and our availability to you as part of your retainer helps us be effective, trusted guides during your life’s transitions.
What the Comprehensive Financial Planning Retainer Includes
We will help to clarify your goals, identify what is needed to achieve them, and develop realistic timelines for their accomplishment. Everything else we do will relate to your goals.
Net Worth & Investment Advisory Services
When developing an effective investment strategy, we take time to understand your risk tolerance, tax bracket, and goals. Your investment strategy will provide diversification to hedge against extreme economic cycles and enable you to reduce your portfolio risk while substantially enhancing your return on investments.
Tax Planning & Preparation
Your individual federal and state tax returns will be prepared, and you will receive professional advice year-round. You will learn lawful strategies to reduce your tax liability, which will often offset your annual retainer and give you more dollars to put toward your goals.
We provide strategies for exercising stock options, and maximizing employer provided accounts, including non-qualified deferred compensation plans and supplemental executive retirement plans, always with the goal of minimizing taxes.
Whether you are planning for retirement, starting your own business, or enjoying retirement, we will advise you every step of the way.
After reviewing your current policies, we give you unbiased recommendations on how to keep yourself, your property, and loved ones protected.
You will be guided through the process of deciding how your family is taken care of and how you want your assets divided. The focus is on simplicity for your heirs, avoiding probate, and reducing estate taxes.
Contact us to schedule an initial telephone consultation to learn more about the difference a holistic personal financial plan can make. Clients find that this program delivers savings and peace of mind that far exceed its cost.
Our minimum annual retainer is $3,500.
The Financial Review is an intensive, interactive financial planning session designed to provide answers to your top “3 burning questions”.
The Financial Review serves two purposes:
- To provide those who want to become full clients a sample of what it is like to work with us before committing to an ongoing relationship.
- For clients whose situation is simple enough that ongoing consulting is not necessary.
How the Financial Review Works
For a successful Review, you will send the necessary information and documents at least 2 weeks prior to our scheduled meeting.
Prior to the meeting, we will review your information and prepare an outline of major points to address and preliminary recommendations.
Your Financial Review Includes:
- A 2-3 hour appointment to address the top 3 areas of concern
- An assessment of your compliance with the 5 Fundamentals of Fiscal Fitness
- A review of your Financial Life Cycle position
- Retirement and Financial Independence Analysis
- Possible tax savings strategies for your consideration
Pricing for a Financial Review is $950. If we agree that working together in an ongoing financial planning relationship makes sense, the cost is credited towards those services.
Contact us to schedule an initial telephone consultation.
The Power of Fee-Only, an Advisor You Can Trust
As a Fee-Only financial planner, we receive no commissions for any recommendation we give. This is because we don’t represent any company, we represent you. We always act in the best interest of our clients, operating in an objective, unbiased manner while eliminating or disclosing any conflicts of interest. Doing this truly allows us to act as a fiduciary keeping you on the most efficient path to financial freedom.
The Practical Planner is Your Fiduciary
A fiduciary is required, by law, to always act in the best interest of the client. They must always operate in an objective, unbiased manner and eliminate or disclose any conflicts of interest. Because there are no third-party influences to color the financial and investment recommendations rendered, Fee-Only planners can concentrate on providing the highest level of personalized service and offer professional, independent, unbiased advice.