What We Do
We help you make sound financial decisions based on what’s important in your life. Our expertise covers the following areas:
Cash Flow Guidance: Do your expenses and savings align with what’s most important to you? Do you have enough money in an emergency fund?
Debt Management: Do you habitually pay off your credit cards? Student Loans?
Retirement Planning: Are you saving enough to meet your retirement goals? Are you saving in the right places?
Investments: What is your investment strategy given your goals? Are you allocated appropriately?
Tax management: Are there tax advantages that you are failing to take advantage of?
Business Planning: Do you own a business? Are you taking full advantage of the opportunities that come with business ownership?
Estate Planning: Do you need a will, trust, or both? What’s your backup plan if you get into an accident?
Education Planning: When, how much, and where should you start saving for college?
House & Rental Planning Should you rent or own? How much can you afford to spend?
Insurance Value: Is your current insurance coverage adequate? How much protection do you and your family need?
Discovery: Initial meeting to discuss your goals, values, and current financial picture. This meeting lasts approximately 60 minutes.
Meeting #1: Clarify and prioritize goals. Verify your current financial situation. This meeting lasts approximately 60 minutes.
Meeting #2: Present your financial assessment and our recommendations. This meeting lasts about 90 minutes.
Report: A complete Financial Planning Assessment and Recommendations Report.
Online Organization: We provide access to the online software, eMoney. This becomes your financial planning “Home”. Connect your accounts, monitor your budget, store secure files and manage your world.
Ongong Meetings: Three check-in meetings per year to track your progress and assess any changes.
Staff: A knowledgeable CFP® to answer questions and provide advice on a retainer basis.
Cost: Our financial planning fees are based on the complexity of your situation. We will charge an up-front fee to start the plan and then either a monthly or quarterly retainer moving forward.
Investment Management: Available for an additional cost.
We are an SEC Registered Investment Advisor. We utilize low cost Exchange Traded Funds, otherwise known as ETFs, to create a fully-diversified portfolio. These portfolios are set up to help you accomplish each financial goal. There are no transaction costs or account minimums.
How Do I Get Started?
We start with an initial 30-minute-long Introductory Meeting, either by phone or over coffee. If we’re a fit, then we’ll set up the larger Discovery Meeting and begin the financial planning process.