Financial Planning and Investment Advice

Building Your Initial Financial (and Investment) Plan

Three in-depth meetings spanning 2-3 months.

We will work together to:

• Address your pressing financial questions - whatever they may be.

• Create your personal balance sheet - a snapshot of your current assets and liabilities. We’ll then search for opportunities in each line item to streamline, simplify, save, and grow your money.

• Set short-term cash flow goals - create saving and/or spending targets for the next 12-24 months with a constant eye on tax impact and liquidity contstraints associated with various account types and strategies (Traditional and Roth IRA, 401Ks, and other retirement accounts, Health Savings Accounts, 529 college savings accounts, etc).

• Prepare long-term portfolio projection(s) - while forecasts and projections are inherently inaccurate, long-term cash flow and retirement projections can be a helpful indicator of a plan being on or off track, including the viability of “what if” scenarios (what if… we retire at 60 instead of 65? …inflation continues at high levels? …we buy a vacation house?).

• Analyze your investment portfolio - dive deep into your investment and retirement accounts, analyze your current holdings, and build a step-by-step transition plan to reduce complexity, management fees, tax drag, and align your portfolio with a proven approach to long-term investing that doesn’t rely on guessing, trendy investments, or overpriced investment funds.

• Review insurance coverage to mitigate risks where possible.

• Review beneficiary designations to ensure they are in line with your current wishes.

At the end of our initial series of meetings, you’ll have a written plan with actionable recommendations and clear guidelines for staying on track. Future review and update meetings are available for an hourly charge, or come back for a complete plan update every year or two.

As an independently owned, fiduciary, fee-only firm, our goal is simply to give you the best advice we can to leave you feeling confident about your financial situation today and in to the future.

Financial plan fees are based on complexity, starting at $5,000.