- Organize income and expenses
- Create automated savings plan
- Review/set up auto bill pay for recurring expenses
- Analyze 3 months of transactions history
- Automatic monitoring of spending through eMoney website
- Create savings plan for goals
Risk Management
- Life Insurance
- Long-term care insurance
- Disability Insurance
- Fixed and Indexed Annuities
Investment Management “You drive”
No Minimum
- Annual Performance Review
- Annual Risk Tolerance Review
- Quarterly statements from fund company
- Financial Education Newsletter
- Online investment account access
Additional Services
- Life Insurance Evaluation
- Retirement Check-up (one-time)
- Email and Phone support (during business hours)
Financial Advisor’s Compensation Type
Commission
Investment Advice “We drive”
$5,000 Minimum
- Actively Managed Investment Portfolio
- Asset Allocation Recommendations
- Portfolio Rebalancing
- Annual Performance Review
- Annual Risk Tolerance Review
- Financial Goal Planning
- Investment Advice
- Quarterly Investment Statements
- Financial Education Newsletter
Additional Services
- 24-7 access to your Personal Financial Website with UNLIMITED cloud storage (powered by eMoney)
- 24-7 access to your online Financial Goal Planning Software (powered by eMoney)
- Life Insurance Evaluation
- Retirement Check-up (annually)
- Semi-annual review meetings
- Email and Phone support (during business hours)
Financial Advisor’s Compensation Type
Annual Fee: based on Assets Under Management
Helping you live your best life!
STEP 1 - What do I really want in life?
- 45-90 minute discovery and goal definition meeting
STEP 2 - Where is all my stuff?
- 45-90 Financial Organization Meeting
STEP 3 - Where is my money going?
- 30-45 Minute Cash Flow Planning Session
- 30-45 Minute Phone Call - Debt Elimination Planning Session
STEP 4 - What should I do?
- 45-90 Minute Recommendations Meeting with your CFP® Professional
STEP 5 - How can I make sure I stick to my plan?
- 20 Minute Monthly Check-in Meetings
- Email and Phone Support (9:00am-5:00pm M-F)
- Up to 2 hours of Collaboration with other Professionals you work with (i.e. CPAs, attorneys, insurance agents, etc.)
- Recommendations to other financial professionals in our network
Common Financial Planning Topics
CASH FLOW AND SPENDING PLAN
Create a monthly and annual cash flow statement based on current income and expenses
DEBT DESTRUCTION PLANNING
Create a step-by-step action plan to crush your debt and rescue your monthly income
- Credit report review and analysis
- Form letters to dispute error on credit reports
- Analysis of all current debts
- Detailed debt elimination plan
- Student loan repayment strategy
- Mortgage/Refinance Review
PERSONAL RISK MANAGEMENT PLANNING
Ensure that you and your family are adequately covered and protected against the unforeseen
- Review of current insurance policies (life, disability, auto, home, and umbrella coverages)
- Determine appropriate insurance coverage for you
- Employer benefits package review
- Evaluate need for long-term care insurance
RETIREMENT PLANNING
Create a detailed plan aiming to help ensure that you don’t run out of money in retirement
- Analyze all sources of retirement income
- Create a cash flow plan for retirement
- Create a pre-retirement debt management plan
- Discuss options for healthcare
- Social security benefits review
- Charitable giving strategies
- Pension payment options review
- Explore options for guaranteed income in retirement
EDUCATION PLANNING
Help navigate the process for getting your child enrolled in a school that fits their dreams and your pockets!
- Evaluate 529 College Savings Plan options
- Help navigate the process from application to enrollment
- Financial Aid Package review
- Create a student budget
- Scholarship tracking sheet
- Discuss options for a debt free education
ESTATE PLANNING STRATEGIES *(UP TO 2 HOURS INCLUDED)
Leave a legacy for your loved ones
- General estate planning and gifting strategies
- General trust planning and education
- Discuss impact of beneficiary designations
- Explanation of estate planning structures and documents - wills, POA, Trusts, etc.