The Financial Plan

Purpose of a Financial Plan

The financial plan is your roadmap. It provides structure and clarity for your current situation, future goals and how we will get there. Your plan is an essential foundation to making wise financial decisions. It is the first action item of engagement – we cannot provide good advice without a good plan.

The plan considers every important financial decision you may be faced with in the future. Some of the topics include:

  • Current Income/Expenses
  • Short & Long-Term Goals
  • Risk Management
  • Investment Planning
  • Income Tax Planning
  • Education Planning
  • Retirement Planning
  • Desired Legacy

Financial Planning Process

Creating a financial plan requires several face-to-face meetings (or via Zoom) as we collect information and ask questions to ensure we understand your situation, goals and any constraints. As we design the plan, we may contact you for further clarification and/or your input. Once the plan is complete, we review it with you, ensure all is well, and then put the plan into action.

A financial plan does not have a “final destination”. Situations change, both with individuals and the markets. Consistent monitoring and occasional adjustments are essential for a plan to be effective. A review of your situation and plan will be a central feature of all reviews we will have with you.

A Living Financial Plan

We proactively review your financial profile, uncover new and changing dynamics and guide you through life’s journey.