Financial Planning

Financial Planning Engagement Program

Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business or are planning for an exit from their business. We cover areas such as financial planning, succession planning and investments.

Cash Flow and Debt Management: We will review 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. Advise on which debts to pay off first.

College Savings: As the cost of education continues to rise, deciding how to pay for college becomes an issue you have to plan for. We provide advice by projecting the amount that will be needed to achieve college or other postsecondary educational funding goals and on ways for you to save accordingly.

Employee Benefits Optimization: A review and analysis as to whether you as an employee are taking the maximum advantage possible of your employee benefits.

Estate Planning: We conduct an analysis of your exposure to estate taxes and your current estate plan. We recommend you consult with a qualified estate planning attorney when creating, updating or amending your plan.

Financial Goals: We will help you identify your 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 your goals, and how much you should budget for them.

Retirement Planning: We will help you determine what retirement looks like based on how much you've saved taking into account your living expenses, life expectancy and spending habits. We'll examine typical factors that can derail your retirement plans  and advise on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. We'll cover topics such as estate planning, time horizon, risk tolerance and strategies to optimize your social security benefits.

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. Events such as premature death, disability, property and casualty losses, or the need for long‐term care planning are things to keep in mind.

Tax Planning Strategies: We discuss ways to minimize current and future income taxes as a part of your overall financial planning.  We recommend that you consult with a qualified tax professional before initiating any tax planning strategy.

Whether you are looking for a consultation or a long-term relationship, we have a plan just for you. Our goal is to help you strengthen your financial well-being by understanding your current financial situation and helping you build from where you are now. Every goal starts with a plan so that financial freedom can be within reach.

Project-Based Financial Planning (90 days Plan)

$450 Total
  • A plan for the Do-It-Yourself individuals. We'll help you get started on the right financial foundation. We'll work with you to understand your current financial habits, creating a customized budget, identify any savings opportunities and debt reduction strategies.
  • Initial 30-minute consultation – We'll learn more about your financial needs. You'll learn about us and our process.
  • One-hour discovery meeting – We'll gather more in-depth information from you and learn about what's most important to you.
  • One hour recommendation meeting – We'll review what we discussed and present our recommendations.
  • Three 60-minute follow-up calls (once a month for three months) to check in. We're your accountability partner -here to help you stay on track.

Comprehensive Financial Planning (CFO Plan)

$200 Monthly
  • Do you prefer a long-term relationship with a financial planner who can help you through all of life's unpredictable changes? Our comprehensive plan allows us to work with you as your chief financial officer, ensuring that your finances align with your goals. Access to planning tool included.
  • Initial 30-minute consultation – We'll learn more about your financial needs. You'll learn about us and our process.
  • One-hour discovery meeting – We'll gather more in-depth information from you and learn about what's most important to you.
  • One hour recommendation meeting – We'll review what we discussed and present our recommendations.
  • Quarterly follow-up calls to check in – We're here to keep you on track. We'll check-in and make adjustments as needed.

Financial Planning Small Business Owner

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  • As a business owner with many priorities, our goal is to help you manage your financial needs. We'll analyze your business's main components, making sure to understand your cash flow, cost, and spending.
  • Initial 30-minute consultation – We'll learn more about your financial needs. You'll learn about us and our process.
  • One-hour discovery meeting – We'll gather more in-depth information from you and learn about what's most important to you.
  • One hour recommendation meeting – We'll review what we discussed and present our recommendations.
  • We'll determine your capital requirements, balance sheet, and planned revenue use. We'll cover retirement, investment, employee benefits, and any exit planning goals.