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Our Financial Planning Process



1. Discovery Meeting


  • Introductory discussion sharing your personal and financial circumstances
  • Identify and select what specifically you want your money to help you pursue
  • Discuss and agree to the scope of engagement
  • Fee estimate

2. Analyze Your Situation


  • Outline your short and long term objectives
  • Link financial accounts to software for analysis
  • Evaluate your income and expenses
  • Conduct investment risk assessment
  • Collect fee

3. Present Recommendations


  • Discuss recommendations and how they may increase your probability of successfully achieving what is important to you
  • Review documentation and thought process behind the advice and each recommendation
  • Educate to help you make informed decisions with money

4. Implementation


  • Review recommendations and answer any questions
  • Help you put the plan into action


Contact Us to Schedule a Complimentary Financial Planning Consultation


Package Options

Basics

 

  • Develop investment plan aligned with your risk tolerance to help achieve what's important to you 
  • 5 year cash flow projections of income, expenses, and savings
  • Review individual retirement accounts and contributions
  • Evaluate employer retirement plan and contributions
  • Evaluate employer benefits and any supplemental coverage needs

$3,000

Included with <$2M of assets under management

Full Details

Essentials

Everything from Basics plus:

  • Comprehensive investment plan, analysis and tax aware recommendations
  • Evaluation of income tax reduction opportunities
  • Review debt strategy including mortgage, auto and other debt.
  • Education and college planning
  • Retirement planning
  • Premature death & survivorship planning
  • Disability planning
  • Healthcare planning
  • Long term care planning
  • Evaluate use of property & casualty insurance

$8,000

Included with $2.0M+ of assets under management

Full Details

Advanced

Everything from Essentials package plus:

  • Comprehensive cash flow planning with a focus on tax efficiently cash flowing your lifestyle
  • Aiming to optimize executive compensation benefits
  • Employer stock option / restricted stock unit (RSU) strategy
  • Assess proper funding of Trusts
  • Discuss gifting strategies in an effort to help reduce your taxable estate
  • Evaluate more advanced planning strategies, including Trust planning
  • Striving to maximize your charitable impact

$12,000

Included with $10M+ of assets under management

Full Details

Basics

Financial Planning Basics is most suitable for those with a W-2 income who are in the beginning stages of accumulating wealth for the future.  If you need to establish an investment portfolio and value guidance aiming to optimize your retirement accounts, employee benefits, and managing risk, then this is the appropriate package for you.

What You'll Receive:

  • 4 meetings or video calls
  • 4 deliverables that provide actionable insight
  • Basic education on making smart money decisions from a Certified Financial Planner®

What We'll Provide:

  • A net worth statement for a clear understanding of where you are now
  • Help with setting your goals clarifying what you want your money to help you pursue
  • A 5 year cash flow roadmap to follow for your income, expenses, and savings
  • Review of individual retirement accounts and contributions
  • Evaluate employer's retirement plans(s) and contributions
  • Special situation planning (home purchase, etc.)
  • Evaluate employee benefits and any supplemental coverage needs

Essentials

Financial Planning Essentials is most suitable for those with a W-2 income who are looking for a process, structure, and discipline to help address a number of essential financial considerations.  Our structured wealth management process incents collaboration and an open line of communication for us to work together toward effective wealth enhancement, wealth protection, and wealth transfer strategies.

What You'll Receive:

  • 4 meetings or video calls with open dialogue for 6 months
  • 6+ deliverables that provide actionable insight
  • A reliable process to follow to help address basic and essential financial objectives by a Certified Financial Planner®

What We'll Provide (in addition to "Basics"):

  • Comprehensive investment analysis, strategy, and tactical tax-aware recommendations1
  • Income tax planning and mitigation recommendations
  • Social Security election evaluation and recommendations (if applicable)
  • Education funding strategy and recommendations (if applicable)
  • Survivorship and disability evaluation and recommendations for the family seeking to continue the lifestyle they are accustomed to
  • Evaluation and recommendations for asset protection strategies including the use of property & casualty insurance
  • Retirement income forecasting and tax efficient planning and recommendations
  • Retirement healthcare projections including Medicare premiums and out-of-pocket expenses
  • Long term care needs and funding strategy (self-insure vs. insure)
  • Review asset titling and beneficiary designations
  • Estate plan projections (asset flow chart)

Advanced

Financial Planning Advanced is suited for those higher net worth individuals with more comprehensive issues.  The question is less, “Am I going to be OK?” and more “What am I missing that could hurt me?”.  The Advanced Planning engagement has more of a tax planning focus with a comprehensive approach to investment consulting, wealth enhancement, wealth protection, wealth transfer, and charitable giving.  

We will work with you throughout the engagement and coordinate with your trusted advisors to ensure the agreed upon recommendations are effectively put into action. If requested, we can provide access to members of our trusted professional network including accountants, attorneys and insurance professionals.

What You'll Receive:

  • 4 meetings or video calls with open dialogue for 12 months
  • 8+ deliverables that provide actionable insight
  • A reliable process to help address basic, essential, and advanced financial objectives from a Certified Financial Planner® and professional network of specialists

What We'll Provide (in addition to "Essentials"):

  • Comprehensive investment analysis, strategy, and recommendations including alternative investments, tax-qualified investments, etc.
  • Current and projected income tax estimates
  • Current vs. proposed advanced income & estate planning strategies
  • Roth IRA conversion analysis2
  • Concentrated stock strategies and risk mitigation process
  • Evaluation of asset protection planning including use of Trust planning
  • Evaluation of tax efficient planning strategies to pursue your charitable intent