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Essential and Advanced Plans

The Essential Plan Includes:

Goal Setting and Planning for the Future

Our process starts with an in-depth look at your current financial situation and your goals for the future. Whether you’re just starting your career or you’re getting ready to retire, outlining your “needs and wants” is the foundation for a successful financial plan.

Budget/ Cash Flow Analysis

Knowing exactly how your money is coming in and going out each month will provide the information needed to develop your financial plan. Sticking to your budget is also a key factor in achieving your financial goals. In this section, we will outline any areas of concern or opportunities to improve.

Current Investment Overview

A breakdown of your current investments by asset class and how your portfolio aligns with your risk tolerance and financial goals.

Results and Financial Independence

Based on your goals and current financial situation, we will run various scenarios that illustrate the likelihood of you funding your plan. We can help you determine if you are on track or if you need to make some adjustments.

  • Do you need to save more?
  • Can you retire sooner?
  • When should you start taking Social Security?
  • Are you helping your children with college expenses?

These are all factors that will be calculated and displayed in this section of your plan.

Risk Management

Planning for the future also means accounting for the “unplanned.” Making sure you’re able to cover expenses and achieve your financial goals even when the unexpected happens is addressed in this section of the plan.

We’ll take a look at your existing life insurance policies as well as disability and long term care coverage. We can help you identify gaps in coverage or areas that need to be addressed.

The Advanced Plan Includes:

Goal Setting and Planning for the Future

Our process starts with an in-depth look at your current financial situation and your goals for the future. Whether you’re just starting your career, or you’re getting ready to retire, outlining your “needs and wants” is the foundation for a successful financial plan.

Budget/Cash Flow Analysis

Knowing exactly how your money is coming in and going out each month will provide the information needed to develop your financial plan. Sticking to your budget is also a key factor in achieving your financial goals. In this section, we will outline any areas of concern or opportunities to improve.

Current Investment Overview

A breakdown of your current investments by asset class and how your portfolio aligns with your risk tolerance and financial goals.

Results and Financial Independence

Based on your goals and current financial situation, we will run various scenarios that illustrate the likelihood of you funding your plan. WE can help you determine if you are on track or if you need to make some adjustments.

  • Do you need to save more?
  • Can you retire sooner?
  • When should you start taking Social Security?
  • Are you helping your children with college expenses?

These are all factors that will be calculated and displayed in this section of your plan.

Risk Management

Planning for the future also means accounting for the “unplanned.” Making sure you’re able to cover expenses and achieve your financial goals even when the unexpected happens is addressed in this section of the plan.

We’ll take a look at your existing life insurance policies as well as disability and long term care coverage. We can help you identify gaps in coverage or areas that need to be addressed.

Estate, Asset Protection and Tax Planning

Accumulating wealth is only part of the story. You also want to make sure you have your estate in order so the wealth you have worked so hard to grow doesn’t get caught up in probate court or taxed unfairly.

This section of the plan will address the issues surrounding your estate and the steps that can be taken to help protect your assets.