Financial Planning

Holistic Financial Planning

When you begin charting your path toward financial security and retirement, there are endless vehicles to help you along your journey. Carefully selecting the vehicles for the trip will give you a head start on your way. But often times in today’s complex and dynamic financial world, you need to change course as new pathways unfold and old routes sunset.

We believe that finances are not just what lies in your bank accounts and retirement accounts. Financial well-being integrates protections such as insurance, trust and advanced directives to help keep your will and plans in motion even when adversity strikes. We believe that a financial plan must balance living well today with preparation to maintain your quality of life later.

To keep all your financial needs in line, common areas of focus for comprehensive plan include:

  • Cash Flow Analysis

  • Debt Management

  • Education/College Savings

  • Tax Planning

  • Employee Benefits

  • Property Planning

  • Estate Planning

  • Insurance Planning

  • Retirement Planning

  • Investment Planning (without management)

How the Process Works

First we get to know you: your background, relationship to money and risk as well as your ambitions. Then we start to look at the ways you are working toward those goals. Next we will design recommendations to help you meet those goals. The recommendations will be presented and we will work together to make a plan for implementation. Then, just as any intervention would be, we will review progress and course correct however that may look. Along the way we work to protect progress and celebrate milestones. The process is circular so that we are always keeping our goals focused and plans relevant.

Fees

There is an initial build fee for ongoing planning that ranges from $0-$500, followed by an annual fee generally ranging between $3000 and $6000 per year. Fees are determined by complexity of planning needs and estimated time required to carry out planning services. All fees are negotiable.

After a complimentary consultation a proposal would be offered so you can make an informed decision to what level of service best meets your needs.