Initial Comprehensive Financial Plan ("Get on Track")

Clarity: Get a holistic understanding of your financial situation: assets vs liabilities; income vs expenses; return vs risk.  

Control: Pinpoint and pull levers most impactful to achieving your BIG life goals. 

Confidence: Have a step-by-step guide for making the most of your earning, spending, saving and investing. 

PURSUE FICATCH UP SUNSET 
“How do I make the most of my financial lead to pursue meaningful work; flexibility; travel; hobbies; etc?”
 
RECOMMENDATION MEETING 
(2 HRS / 3 HRS):
– Goals
– Cash flow and budgeting
– Debt management
– Insurance/Risk management
– Education planning
– Investments
– Employee benefits
– Retirement planning
– Tax planning 
– Estate planning/charitable  
  giving 
 
DELIVERABLE: Detailed plan in PowerPoint PDF (main content: 35-45 slides; supporting content: 10-15 slides)  
“How do I prioritize my finances so I can achieve my goals while fulfilling my responsibilities?”
 
RECOMMENDATION MEETING 
(2 HRS / 3 HRS):
– Goals
– Cash flow and budgeting
– Debt management
– Insurance/Risk management
– Education planning
– Investments
– Employee benefits
– Retirement planning
– Tax planning 
– Estate planning/charitable  
  giving 
 
DELIVERABLE: Detailed plan in PowerPoint PDF (main content: 35-45 slides; supporting content: 10-15 slides)  
“How do I set myself up for a successful retirement?  It’s my turn!”
 
 
RECOMMENDATION MEETING 
(2 HRS / 3 HRS):
– Goals
– Cash flow and budgeting
– Debt management
– Insurance/Risk management
– Education planning
– Investments
– Employee benefits
– Retirement planning
– Tax planning 
– Estate planning/charitable  
  giving 
 
DELIVERABLE: Detailed plan in PowerPoint PDF (main content: 35-45 slides; supporting content: 10-15 slides)  
$5,000 (individual) 
$7,000 (couple)		$5,000 (individual)
$7,000 (couple)		$5,000 (individual)
$7,000 (couple)

Annual Updated Comprehensive Financial Plan ("Stay on Track")

Clarity: Get just-in-time gut-check from a financial professional; make more informed decisions.  

Control: Respond rather than react to big life changes (e.g., promotion, inheritance, home purchase, health issues).  

Confidence: Take the hassle, guesswork and second-guessing out of ad hoc and/or DIY financial planning.   

PURSUE FI CATCH UP  SUNSET
– Annual comprehensive financial plan update (2 hrs / 3 hrs; 25-35 slides “main content”; PowerPoint PDF)
– Semi-annual communication with list of key to dos and corresponding due dates; next steps; URLs; phone #; etc 
– Annual comprehensive financial plan update (2 hrs / 3 hrs; 25-35 slides “main content”; PowerPoint PDF)
– Semi-annual communication with list of key to dos and corresponding due dates; next steps; URLs; phone #; etc
– Annual comprehensive financial plan update (2 hrs / 3 hrs; 25-35 slides “main content”; PowerPoint PDF)
– Semi-annual communication with list of key to dos and corresponding due dates; next steps; URLs; phone #; etc 
$3,500 (individual)
$4,500 (couple)		 $3,500 (individual)
$4,500 (couple)		 $3,500 (individual)
$4,500 (couple) 

Investment Philosophy (Successful investing is counter-intuitive)

     ·       Buy low, sell high.

     ·       Be a contrarian.  When others zig, find the willpower to zag.

     ·       Passive (mostly) vs active.

     ·      Buy and hold (10 yrs or more).

     ·       Time in the market is far more important than timing the market.

     ·      Diversification is the only free lunch; increase return while decreasing risk.

     ·       Limit your downsize (risk) and the upside will take care of itself.

     ·       Shoot for average (via passive/index funds), and you will beat 80-90% of investors who chase returns via active trading/management over a 10-yr period.  (Source: S&P Indices versus Active (SPIVA) US Scorecard, 2022.)

     ·       Slow and steady wins the race…always.

RESOURCES

Banks

Ally Bank
Capital One (360)
American Express

Budgets

Empower (formerly Personal Capital)
You Need A Budget (YNAB)

Books

The Simple Path to Wealth
The Millionaire Next Door
The Way of Integrity

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