Our comprehensive financial planning service is transparent and flexible to fit your needs.
Your initial consultation is always free.
Ongoing Financial Planning
“Help me plan for the future”
Our comprehensive financial planning service provides ongoing financial planning and investment advice. We’ll look at where you are today in relation to your financial goals and provide recommendations to put you in the best position to reach them. We’ll hold you accountable in doing the things you need to do in order to improve your financial situation.
We leverage best-in-class technology to build and monitor your financial plan and investment portfolio with collaborative on-demand access, so you can see how you’re progressing along the way.
After your initial plan is built, you can expect to meet with us at least twice per year for comprehensive review meetings, depending on your preference. However, the real magic happens in between.
Buying a home? Starting a new job? Expecting a child? Open enrollment season? Relocating? Unexpected inheritance? Refinancing your mortgage? Pension questions? 401(k) fund elections? Unexpected expense? Insurance questions? Filing your taxes?
Life Happens.
With our comprehensive financial planning service, you can schedule meetings with Ben whenever you need to. Rest assured that you’ll be speaking with someone who understands you and your financial situation inside and out, so you can make confident decisions no matter what life throws your way.
Our Planning Tool in Action
Check out our planning tool RightCapital. We leverage best-in-class technology to offer you a simplified yet holistic view into you financial life, so we can help you make confident decisions for the future.
Financial Planning Topics
Cash Flow & Budgeting
We’ll help you maximize your cash flow by closely looking at your income, expenses, savings contributions and debt pay down rates. We’ll help you balance how you spend and save cash today vs. in the future so you can reach short- and long-term goals including how much and where to make savings contributions.
Goals-Based Planning
We will help you identify and articulate your financial goals. These may include things like buying a home, starting a family, relocating, investing in rental property, retiring early, etc. We make sure these important objectives are top-of-mind with every financial decision you make.
Retirement PLanning
You work hard, and you deserve financial independence. If you’re close to or currently in retirement, we help you create a sustainable withdrawal strategy to last your lifetime. If you’re further out from retirement, we help you maximize your savings in a tax-efficient way.
Investment Management
We’ll review your current investment portfolio and build a customized allocation designed to reach your financial goals. We will build your portfolio with all aspects of your financial plan in mind using low-cost, tax-efficient investments to maximize your returns.
Tax Planning
Our advice may include ways to minimize your current and future taxes. Within your investment portfolio, we will tax-loss harvest on an ongoing basis and position tax-efficient assets in your taxable accounts and less tax efficient assets in your tax-free and tax-deferred accounts to lower ongoing taxes. We will also review your tax return each year for accuracy and tax-savings opportunities.
Employee Benefits
During your open enrollment, we’ll review your benefits at work to ensure you are optimizing your health insurance, life and disability plans, stock purchase plans, equity/deferred compensation, and cafeteria plan options including legal, commuting, fitness center, and other fringe benefits.
Insurance
We’ll review your existing insurance policies including health, life, disability, umbrella, long-term care, property & casualty, etc. to ensure your coverages are adequate and cost-efficient. If additional or updated policies are recommended, we will work with insurance brokers to put the policies in place.
College Planning
We’ll estimate the cost of your kids’ or loved ones’ college education and design a plan around how much and in which account(s) to save in order to meet your college funding goals. This may involve opening 529 or other college savings plans to build tax-free education savings.
Estate PLanning
Together, we’ll review your current estate plan including documents such as your will, power(s) of attorney, trust documents, beneficiary designations, etc. We may recommend a qualified attorney in order to draft or update your estate planning documents or provide other specialized advice.
Debt management
Our goal is to help you build your net worth which involves creating a plan for paying off debt such as student loans, credit card debt, auto loans, mortgage and other personal loans. This may involve discussing how to prioritize high-interest debt, student loan analysis, debt consolidation, mortgage refinancing, etc.
Impact
If impact investing or is important to you, we will help design a customized portfolio that aligns with your personal values. We’ll make every effort to maximize your investment returns and your impact on the world.
Professional Introductions
As a fiduciary, it is our obligation to inform you when our knowledge tops out and together seek specialized advice from other professionals. We may introduce you to trusted, specialized experts in our network such as attorneys, CPAs, insurance brokers and realtors.
What to Expect
Step 1: Initial Consultation Call
“Are we a good fit together?”
During your free 30-minute consultation call, we’ll discuss your goals and expectations. This meeting is all about you, and we’ll explain what you can expect during our financial planning process and answer any questions you have to determine if we’re a good fit in working together.
Step 2: Financial Planning Introduction Call
“Tools & technology overview.”
As a follow up to our initial consultation call, we’ll spend 30 minutes providing you a visual of the tools and technology we will use to stay organized throughout the planning process, including our financial planning tool RightCapital.
Step 3: Discovery Meeting
“Let’s talk numbers.”
If it makes sense to work together, we’ll spend 60-90 minutes reviewing and confirming your current financial situation, goals and concerns in order to develop your financial plan. We share secure and collaborative access to RightCapital to provide real-time updates with your planning numbers.
Step 4: Plan Review
“Let’s talk action items.”
Once we’ve written your plan, we’ll spend 60-90 minutes reviewing it together. We’ll talk through time-specific action items to improve your situation and dive into as much detailed planning analysis that you’d like to see. Next, we’ll build your investment portfolio and create a timeline for ongoing meetings to ensure you’re taking action towards your goals.
Step 5: Ongoing Meetings
“Let’s monitor and course correct.”
We’ll reach out to you proactively to schedule review meetings at least twice per per year and as major life events come up. During these discussions, we will revisit your financial plan, make necessary updates, discuss progress towards your goals and make new recommendations, as needed. Life changes, and so does the market, and we will work together to ensure you are always on track towards your long-term goals.
In addition, you’ll have access to a client-specific, online meeting calendar so you can schedule time to chat with us in between our review meetings in case you want advice or an objective second opinion on anything that life throws your way.
Learn About our Other Services:
Financial Planning | Investment Management | Tax Planning | Retirement Planning | Insurance Optimization