It’s Never Too Early to Start

Our financial planning services are designed to give you a thorough financial plan you can follow into your retirement years. The most important thing to remember about successful financial planning is that it’s never too early to start.

The best time to meet with a financial planner in the process of comprehensive financial planning is while you are still in the midst of your career. Making sensible decisions about your anticipated lifestyle and income needs can help you successfully transition to the day when you no longer receive a paycheck.

When starting out with a financial planner, be prepared to provide important information including financial statements and tax returns to provide a current snapshot of how you are currently invested. You will be asked to define your personal goals and objectives, and the vision of how you wish to live out your years in the next phase of your life, along with your timeframe for results. Thorough planning will include analyzing your assets, liabilities, cash flow, insurance needs, investment portfolio, and tax returns.

What to Expect from Us

Making a plan of your complete financial big picture takes a diligent commitment. This is where a financial planner can help expedite the process. Through our holistic approach, our financial planners will help you make financial decisions knowing that an answer in one area can affect other areas, as well.

Your financial planner will meet with you and provide recommendations that will help you to reach your goals. Helping you to understand all of the information and options is necessary for you to make informed decisions so be prepared to ask clarifying questions. The goal is to create a well-thought out plan that helps you achieve your goals. If you have concerns, your planner will be able to make modifications until you feel comfortable and confident with the plan.

Upon your approval, the next phase in the financial planning process will be to coordinate the implementation of the recommendations. The planner will be diligent in meeting with you regularly, usually annually, to track your progress and ensure that you remain on track to achieving your goals. If there any life changes, this is an appropriate time to make updates.

Financial preparedness also includes planning for the unforeseen or unthinkable well in advance so that a plan is formally in place. This includes planning for the death of a spouse, passing on assets to your heirs, and completing health directives prior to illness. Additionally, an emergency fund can be established and set aside in the event of a personal financial dilemma, such as the loss of a job, injury, illness or a home disaster.