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Comprehensive Financial Planning Services

Comprehensive Financial Planning

Comprehensive financial planning is like a financial jigsaw puzzle. You’ve got all these different pieces - estate planning, retirement, budgeting, saving, investing, risk management and growing and preserving wealth - and they all need to fit together to create a complete picture of your financial future. We are your personal puzzle master, helping you put all the pieces together in a way that makes sense for your unique situation. It’s not just about your money, it’s about creating a strategy that aligns with your personal strengths, goals, values, and lifestyle. Comprehensive Financial Planning doesn't end with a written plan; rather, it's only the beginning. A great financial plan grows with you and adapts to your changing goals, life circumstances and financial needs. 

To begin, there are a few things we'll need:

Prior to our initial consultation, you will be asked to fill out a confidential questionnaire. Gathering this information in advance allows us to focus our meeting time on discussion and getting to know each another, rather than on collecting data.

How Do We Do It?  Our Comprehensive Financial Planning Process

Our distinctive approach involves two to four meetings within the initial planning year. During these sessions, we thoroughly review your financials, investments, and goals. Additionally, we assess your values and strengths to gain a deeper understanding of who you are and to effectively align all elements. This method empowers you to identify what genuinely holds significance, allowing for the pursuit of financial goals that resonate profoundly with your core values. We will continue with the following steps:

  1. You’ll have an in-office meeting or online video conference with our Wealth Manager to get acquainted and discuss your goals and financial condition.
  2. Our Paraplanner will help you access and personalize your Personal Financial Website, where you can aggregate your account balances and other financial information in one secure location. She may also schedule a time to meet with you and collect additional details about your financial situation. 
  3. You will take assessments to evaluate your values and strengths to align with your goals. This unique behavioral finance approach empowers you to discern what truly matters, enabling the pursuit of financial goals that resonate deeply with your core values.
  4. We will evaluate your income, expenses and cash reserves and recommend cash flow optimization and debt management strategies.
  5. We will evaluate your investment portfolio and employer retirement plan, determine your risk tolerance and analyze your current asset allocation.
  6. We'll assess your insurance and risk management plans to assure your loved ones receive the care you intend. Our review includes examining your liability coverage to ensure it adequately shields against significant risks and safeguards your wealth.
  7. We'll carefully examine your estate planning documents to ensure they align with your values and goals. Should it be necessary, we'll connect you with an estate planning attorney and accompany you to the meeting. The objective is to thoroughly review and update your documents, ensuring they reflect your current values and goals.
  8. Within approximately 60 days, we will provide a Roadmap Starting Point and Action Plan report, which will include a snapshot of your current situation and recommendations for the next steps on your financial journey. Six months after our initial meeting, we’ll have a review meeting to discuss your progress. 

During the financial planning period, we'll collaborate with you to pursue your individual goals and put into action any suggested strategies. Our support extends to unlimited email and voice assistance whenever necessary. At the year's conclusion, we compile your values, achievements, established milestones, net worth, balance sheet, cash flow statements, and current financial status into a detailed Comprehensive Financial Plan.