Customized Solutions

Need a financial check-up? We provide project-based financial planning and investment advisory services on topics including the following areas:

If any of these areas of focus are a concern for you, we are happy to explore options with you based on your specific needs and requirements.

  • Starting at $400
  • One-Time Fee
  • Pressing Financial Issues
  • Quick Turnaround

Financial planning involves evaluation of your current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information, and analysis will be considered as they affect and are affected by your entire financial and life situation. With one-time financial planning projects, implementation is up to you. Alternatively, we are happy to help implement your plan with our Ongoing Financial Planning service.

Investment advisory involves the determination of an asset allocation based upon the your goals and risk tolerance. You will receive a written or an electronic report, providing you with a detailed plan designed to achieve your stated financial goals and/or investment objectives. Once again, with one-time investment management projects, implementation is up to you. Alternatively, we are happy to implement your strategy with our Ongoing Investment Management service.

Clear Mission, Trusted Advice

In general, your financial and/or investment plan will address any or all of the following areas of concern. Don’t worry, will work together to select specific areas to cover based upon your priority and goals. These areas may include, but are not limited to, the following:

Retirement Planning

Our Retirement Planning service typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments).

If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.

If you’re looking to get started right now, try out our free financial planning kit. Gain total control of your money starting today.

Investment Analysis​

With our Investment Analysis service, we will work with you to develop an asset allocation strategy to meet your financial goals and risk tolerance. We may also provide information on investment vehicles and strategies, review employee stock options, and assist you in establishing your own investment account at a selected custodian.

This may also involve an analysis and assessment of your current investment related fees in order to provide a better understanding of the long-term impact that these fees can have on your investment goals. In addition, we may explore lower fee alternatives with you that aim to provide similar market exposures, but at a lower cost.

If you’re looking to get started right now, try out our free risk assessment. Again, it only takes a few minutes, and the results may surprise you.

Estate Planning

We have partnered with a network of attorneys across the country to provide you with access to simple and affordable Will and Trust Packages. Our Estate Planning Service will help guide you every step of the way to create a secure Estate Plan to protect you and your loved ones.

Each Estate Plan is customized to your needs and requirements. And each plan is approved by a licensed attorney in your state. The entire process can be done online, and once your estate plan is complete, anyone who needs it can access it at any time. And rest assured, all sensitive information is protected and stored using bank-level encryption technology.

We have two solutions (our Will Package and our Trust Package) that fit most circumstances; however, custom solutions are also available. But don’t worry, we will help you decide what makes the most sense for you. With this service, we will help you create, share, store, and maintain your Estate Plan so that you can have peace of mind that your intentions are carried out with assurance and care.

Cash Flow and Debt Management​

We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income.

Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.

College Savings​

Includes projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate).

Employee Benefits Optimization​

We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.

Financial Goals

We will help you identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.

Tax Planning Strategies

Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments you should own based in part on their “tax efficiency,” with the consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation.

We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval.

Insurance

Situations and circumstances evolve and change over time, and so it is worth conducting insurance policy check-ups on a periodic basis. Under-coverage is dangerous, but over-coverage can be costly too. We’ll work with you to find sensible, cost-effective solutions with the goal of providing you with the protection you need, when you need it most.

This service includes a review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile. Insurance get get tricky, so you will want a fee-only fiduciary to guide you so that your policies are the right fit for your circumstances.

Risk Management

A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self-insuring”).

Fees

Project-Based financial planning and investment advisory will generally be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $400 and $4000 depending on complexity and scope of the project.

If a fixed fee program is chosen, the fee will be due at completion of work. Since project based fees are paid in arrears, no refund will be due upon termination of the agreement.

Get Started Today

We are here to help. Schedule a free consultation to see which service will fit your circumstances the best. We look forward to serving you, and should you have any questions about this or anything else, please feel free to reach out at any time.


Do your finances and investments need a check-up?

Not sure how to begin? No problem. Schedule a free, no obligation 60-Minute Quick Start consultation with me, and we’ll go from there.