Fee Based Financial Planning


Working with a financial planner can help you protect your most valuable asset: your financial independence. A financial planner can help you develop a plan that’s right for your life, and help you build financial freedom. 

What’s included in a financial plan? 

There are six areas to a financial plan. We illustrate those areas in the form of a pyramid to show how one area builds upon another. Many people start at the base of the Financial Planning Pyramid and work upwards. You may choose to start with the area that’s most important to you right now. But, because action in one area affects the others, a complete financial plan should address all six. 
Whether you’re hoping to buy your first home, send your children to college or enjoy retirement... it’s always the right time to plan for the future. 
With the guidance of a financial planner focusing on six specific areas, you can determine the best way to meet your goals. Start today to build your financial freedom. 
Our financial planners embody high standards of professional competence and integrity. Backed by a team of experienced financial planning professionals, your financial planner can provide a wide range of solutions. 

1. Financial position 

Do you know how much money you earn from all sources, and how much you spend each month? Do you have enough money to cover your necessary expenses? Are you spending money that you should be saving? 
A review of your financial position will give you a better understanding of where you are right now. Working with a financial planner will help you determine if you’re making the best choices when it comes to your balance sheet, and cash flow and debt management. It may also help you discover if you are achieving a balance between your current lifestyle and future expectations. Taking a look at all areas of your financial life and seeing how they fit together is the crucial first step in creating a plan for the rest of your life.

2. Risk management 

If you lost your job or became disabled, how would you pay your bills? If something were to happen to you, would your spouse be able to remain in your home? Could your children afford college?
Under extraordinary circumstances, the best of intentions can be swept away. A financial planner can analyze your situation and help you protect your income and assets at every stage of your life. Your financial planner can help ensure that you and your loved ones can keep doing what you originally planned, no matter what surprises life has in store.

3. Wealth accumulation 

Are you getting a return on your investments consistent with the risk you’ve assumed? Do you understand the different options that best suit your individual circumstances? 
A financial planner can help you review your investment alternatives and suggest ways to get the results you desire. The goal is to help you potentially maximize the return on your investments, taking into consideration financial objectives, time horizon and personal tolerance for risk. Through periodic reviews, your financial planner can help to make sure that your investment plan reflects the changes inevitable as your life evolves.

4. Tax management 

Do you know how latest tax laws affect you? Are you keeping as much of your earnings as you can? 
It’s difficult to keep up with laws that change constantly and figure out how complex rules apply to your personal situation. Your financial planner can provide guidance. It’s his or her job to keep abreast of current regulations 
and to give you the benefit of his or her professional knowledge and experience. While only your accountant or attorney may provide tax or legal advice, your financial planner can work with them to coordinate a plan that best suits your needs. 

5. Retirement planning 

Do you think you’re too young to start planning for your retirement or, because you’ve already retired, it’s too late to do anything about it? 
The earlier you begin planning, the more sound your financial future can be and the more flexibility and freedom to choose the when, how and where of your retirement. Even if you’ve already retired, you want to make sure that the money you saved continues to work for you. Regardless of your age or life circumstances, working with a financial planner can help you adapt to your changing needs in order to help achieve financial independence.

6. Estate planning 

Are you sure your money will be used the way you want and support the people you want after you’re gone? 
If you become incapable of managing your affairs while you’re alive, will your finances continue to be managed effectively? Proper estate planning can help you to anticipate your future needs and pass on more of your wealth to your family and charities. It can take into consideration the special concerns of families with minor children, business owners who need to address succession planning or grandparents who’d like to help the grandkids go to college. With a financial plan in place, you can pass on a legacy, not a tax burden, to your heirs. 
The key to getting what you want 
There’s no mystery to financial planning. It simply requires taking a personal, in-depth look at your goals and deciding how you intend to achieve them. Once you decide what you want, you can make plans to get from where you are today... to where you want to be tomorrow. 
A financial plan may help you: 
• Reduce taxes 
• Save for retirement 
• Decide how to invest 
• Identify insurance needs 
• Custom-design programs to help you achieve your special goals... buying a home, retiring early, financing your child’s education and more.
Start building a plan for your financial freedom today. Let a financial planner guide you. 
You may know where you want to end up, but with so many choices, how do you know if you’ve taken the right road? 
A financial planner can serve as your guide, help you analyze your situation and recommend ways to help you achieve your goals. He or she can work with your tax and legal advisors to ensure that your financial plan addresses all of your needs. 
If you would like additional information on how the guidance of a financial planner can help you reach your goals, contact us today.