How We’ll Work Together
After the plan delivery, we will be checking in every month or two to make sure the plan is moving forward. Additionally, please know that you are welcome to reach out by phone or email at any time.
As we begin implementing your list of action items, questions may come up. We want to be sure that you feel confident and supported.
It’s important to let us know when your companies open enrollment occurs so we can provide you with our recommendations for company benefits as they apply.
We will have 60–90-minute check-in meetings every three to six months thereafter.
We’ll also connect with your CPA, estate planning attorney, insurance agent and anyone else that may help you in completing your financial planning action items. If you don’t already have experts in these areas working for you, we would be happy to provide you referrals to professionals we trust.
Our 30-minute kick-off call or meeting is where we go over your goals and values in detail. During this time, we will ask questions and clarify any information we need before we start working on your plan.
About a month later we’ll schedule a 30-minute plan delivery call. On the plan delivery call, we provide you with a 10–20-page comprehensive financial plan that will provide insight to your current financial situation and provide checklists for action items. The plan may include the following, depending on your needs:
- Net Worth Statement
- Lifestyle and Career Goals
- Savings Goals, such as down payment savings, emergency savings, or travel
- Employee Benefits Optimization Review
- Cashflow Planning
- Estate Planning review
- Tax Planning tips
- Retirement Plan recommendations and projections
- Investment Analysis and recommendations
- Credit Score review
- Debt Repayment plan
About a week following the plan delivery, you’ll also receive an asset allocation via email for your employee sponsored retirement plans (401k, 403b, etc.) as well as any new account paperwork.
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Planning for Your Financial Future
Jenny and Fred know that they’ll be retiring within the next 10-15 years. They’ve devoted 30+ years to their respective companies and have retirement packages that include 401(k), stock options and a pension. They want to make sure they’ll be comfortable in their retirement and be able to access funds when they need them. But they don’t know where to start.
Working with a CFP® professional helped take the confusion out of planning for retirement and made the process easy, enjoyable and stress-free.
The process for the couple included:
- Compiling all relevant info from the couple’s employers
- Summarizing the options available to them as well as the corresponding tax implications
- Establishing new retirement accounts
- Creating a withdrawal plan for the future
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A lot of our planning revolves around retirement income planning. We work daily, ensuring that our clients always have enough income to maintain their dignity and independence during their years of retirement. As CFP® professionals, we work to make sure that our clients maintain a high degree of confidence in knowing that they’re on a path to achieving their financial goals.
If you’re like most people, a variety of factors play a role in your retirement. We will work with you to develop a retirement income plan built on a number of sources including:
- Qualified retirement plans
- Social Security
- Personal savings
Our 30-minute kick-off call or meeting is where we’ll review all of these aspects in detail. During this time, we will ask questions and clarify any information we need before we start working on your plan.
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Planning As You Near Retirement
As she neared retirement, Jane was pretty sure she would have enough to retire comfortably, but also hoped she could leave a legacy for her family. She was interested in forming a better plan that would help her know whether or not she could confidently meet those goals.
By meeting with a CFP® professional, Jane had space to share her questions and concerns with someone who was experience with retirement transitions. Together, Jane and her financial advisor documented a personalized retirement plan that aligns with her values and family-focused priorities.
Request Our Social Security Guide
Learn How Much You Need to Retire and How to Reach That Goal
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We’ll get started with a 30-minute kick-off call or meeting where we’ll review your goals and risk tolerance in detail. During this time, we will ask questions and clarify any information we need before we start working on an investment management plan for you.
There are lots of ways to invest and we are committed to finding the solution that’s best for you. We’ll build an investment plan that fits your risk tolerance and long term goals through a variety of funds including:
- Mutual funds
- Exchange Traded Funds (ETFs)
Managing Your Investments
Patty and Bill both love their careers and don’t know exactly when they plan to retire. They’ve been doing things right — generating high income, growing their equity and protecting themselves with insurance — but they wonder if they should be doing more.
Since they weren’t sure what they might be missing, speaking with a CFP® professional helped give the couple confidence in their plans for the future. Their financial planning conversation focused largely on investments and how they can continue to coordinate short- and long-term strategies to meet their goals.