Simplify. Organize. Manage.

What is financial planning?  You’ve heard the term used so much and everyone refers to themselves as a ‘financial planner’.  For a person to truly be considered a ‘financial planner’ they must provide you with, at a minimum, the following six step process:

  1. Establishing and defining the client-planner relationship
  2. Gathering client data, including goals
  3. Analyzing and evaluating your financial status
  4. Developing and presenting financial planning recommendation and or alternatives
  5. Implementing the financial planning recommendations
  6. Monitoring the financial planning recommendations

The planning process takes into consideration all steps. As your Advisor, we will take a more holistic view and prepare a written analysis of your financial situation and objectives based on any or all of the following planning topics:

  • Tax and cash-flow management
  • Estate planning
  • Investment management
  • Retirement planning
  • Divorce settlements
  • Insurance needs analysis
  • Insurance Review
  • Career or business planning
  • Education planning
  • Wealth transfer strategies
  • Philanthropic giving
  • Client’s present financial position (produce a financial statement)
  • And other areas of financial concern as requested by the Client

If we are hired to do so we will work with you to coordinate the implementation of recommendations in the plan.

Our fee for financial planning is based upon the complexity of the work.  Client will receive an estimate of costs during initial engagement. Client will be aware of the cost before the final presentation of the invoice. This service is separate from Wealth Advisory Services. A minimum fee of $2,500 per quarter applies for Financial Planning.  To review the fee schedule, please contact us for a copy of the current Form ADV Part 2.