Fee Only Financial Planning
Comprehensive Financial Planning Services
Comprehensive Financial Planning
The process begins with getting a clear picture of your current financial situation, clarifying your goals and determining the steps necessary to bridge the two. As life happens or your goals change, we'll adjust your plan. Even for clients with significant wealth, financial planning is an essential component of a successful investing experience.
Initial Plan and Goal Setting
We'll start the planning process by meeting 2-4 times to clarify your financial objectives and get a clear picture of your current financial situation. We'll discuss expectations and create a service schedule according to your needs.
Risk Assessment
Determining your capacity to deal with what the market gives you is both an art and science. We use advanced software designed solely for risk profiling for the science, and ask questions and get to know you for the art.
Education Planning
Ready to learn how much little Johnny's college may cost in 10 or 15 years? Need to know how much to put away each month to cover 75% of expected tuition after inflation? Let us run the numbers and help!
Portfolio Analysis
We'll determine if your portfolio is overweight in small-cap companies or international bonds, or if your company stock is 75% of your net worth. Do your investments cost too much? Did you know that Apple represents 12% of your portfolio? We'll identify any risks to your success and work to mitigate them in our portfolio recommendations and construction.
Client Driven Decision Making
You can avoid worrying if there's a conflict of interest or your advisor is getting paid more to sell one type of investment over another. We don't sell products and our compensation is paid only by you.
Insurance and Estate Planning
As Buffet may (not) have said, "investment performance becomes significantly less relevant if you get hit by a bus and are under/uninsured and don't have a will." We'll review your current estate plan and insurance policies to evaluate coverage and documentation, and recommend trusted professionals such as attorneys and insurance agents to fill any gaps.
Retirement Planning
We'll print out a 100 page financial plan for you to feel good about- and never look at! No! Unlike many planners, we view planning as an ongoing process rather than a stale book. Your retirement, life goals, balance sheets, and financial projections live dynamically within your financial planning portal and are linked to your financial accounts for real-time updates.
Client Portal
Link your accounts in our secure and convenient personal financial website for up to date portfolio values, balance sheets and more. Store sensitive files, view outstanding tasks from previous meetings or send us a message.
Employee Benefit Support
We’ll help you take full advantage of your available employee benefits. If you’re a business owner, we'll evaluate what options are available to you and recommend various benefit programs that can be structured to meet both business and personal retirement goals.
Action!
We'll compile a list of steps you should take to improve the likelihood of reaching your financial goals. These steps will be saved in your client portal so you'll always know what's outstanding. Want email reminders? No problem!
Other than limited, project-based engagements, our fees include portfolio management.
Learn more about portfolio management services!
