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Services I Offer
Do you wonder if you are doing all that you can to?
• Make your money work as hard as you do
• Protect what you’ve worked so hard to save
• Use all the money-saving strategies and tax breaks available to you
Financial Planning Needs Analysis - The Needs Analysis is a survey completed by the client using an online application. Answers to the questions elicit information that provides indicators about whether the responder has taken advantage of commonly missed opportunities to save on taxes, maximized returns on investments, taken steps to protect income and assets risks and generally provide a snapshot of a person’s financial savvy. Based on the results, I write a brief summary of indicators of possible future problems and offer suggestions for specific actions that they can take immediately. I review the report and recommendations with the responder a 30-minute appointment.
This product is not a substitute for a financial plan, nor will I necessarily be able to answer questions that require an integrated analysis of cash flow, taxes and investment returns, i.e., should I sell my house? It is a great tool that provides useful information and that may point to whether financial planning services could be beneficial.
Comprehensive Financial Management - This work is the equivalent of taking a fine tooth comb to your financial affairs. It feels like taking out the magnifying glass to find what more you can do to maximize the positioning of your assets for return and safety of principal, to reduce taxes, to protect against unforeseen risks and events like disability, death, as well as the obvious difficulties of replacing a stream of income, like a salary, or the challenge of managing your cash flow.
Plan will include (2) one hour sessions to assist with implementation, six months of unlimited email and telephone support, (1) one hour meeting at the end of six months.
Price: $2,500 – $3,500 or $200-300/hour
Modular Financial Planning:
Asset Allocation and Investment Recommendations – a review of your investment portfolio for cost and tax efficiencies, recommendations of changes to balance risk and reward so the portfolio is more in line with your risk tolerance as well as an analysis of the performance of your portfolio, and whether you are sufficiently diversified.
Price: $1,000 - $1,500 or $200-300/hour
Retirement Planning – An analysis to project the growth of your assets and income to determine if you are on track for your retirement goals and recommendations on how to get “on track” if you are not.
Available only to clients who have completed the Cash Flow Management work.
Price: $1,500 or $200-300/hour
Cash Flow Management – Preparation of a “Top Down” and a “Bottom Up” projection of your spending. You provide an item by item spending plan that gives us the “Bottom Up” number; and I compare your amount against you bank account statements and credit cards to confirm the reasonableness of your spending. Develoopment of a sinking fund to pay infrequent expenses, as well as account projections to include which ongoing bills will be paid from each specific account.
Price: $2,000 to include (3) one hour sessions, 12 months of unlimited email and telephone support or $200-300/hour
Ongoing Assistance - To include asset rebalancing, one scenario modification to represenent change in goals or financial circumstances, and compliance to budget if the Cash Flow Management plan was completed, (2) one hour sessions to discuss findings.
Available only to clients who have completed an initial plan or analysis.
Price: $1,000 or $200-300/hour