Financial Planning

Why is Financial Planning Important?

Financial planning is more than assets and investments. We believe that is should be about what you want and need to live life in your most meaningful manner.

Our Difference

We utilize an advanced, independent planning system designed to focus on your goals and create a customized financial plan that gives you real time access to plan progress, account aggregation, secure document storage, and a holistic view of your financial household.

Basecamp

Ideal for individuals and families that are looking for a base level plan to organize their financials and plan for their future.

Ridgeline

Ideal for individuals and families that wish to preserve and manage their wealth during peak earning years.

Summit

Ideal for high-net-worth individuals, families, and business owners with complex opportunities and needs.
Hours: 3+
Initial Meetings: 2
Engagement: 6 Months		 Hours: 6+
Initial Meetings: 2-3
Engagement: 8 Months		 Hours: 10+
Initial Meetings: 2-5
Engagement: 12 Months

Areas of Analysis:

  • Cash Flow Forecast
  • Net Worth Statement
  • Investment Analysis
  • Retirement & Retirement
  • Healthcare Planning
  • Education Planning
  • Life, Disability, & LTC Review
  • Beneficiary Checklist

Benefits & Deliverables:

  • Account Aggregation & Document Storage via Online Financial Portal
  • Real Time Plan & Account Data
  • Full PDF Financial Plan
  • Personalized Recommendations
  • Prioritized List of Action Items

Basecamp Plus:

  • Debt Analysis & Consolidation
  • Major Purchase Evaluations
  • Advanced Retirement Strategies
  • Multiple Goal Analysis
  • Employee Benefits Review
  • Advanced Insurance Review
  • Tax Diversification Review
  • Estate Education

Benefits & Deliverables:

  • Coordination of Action Items with Third-Party Providers (Accountants, Attorneys, Lenders).

Ridgeline Plus

  • Employee Benefits Packages
  • Executive Compensation and Stock Options Analysis
  • Tax Efficient Exercise & Vesting Strategies
  • NUA Strategies
  • Family Wealth Planning & Education
  • Estate Liquidity Issues

Benefits & Deliverables:

  • Advanced Deliverables in Coordination with Third-Party Providers.
  • Trust & Estate Flow Illustrations
Initial Plan: $900+ Initial Plan: $1,750+ Initial Plan: $2,800+

*All financial plans expire after two years if not renewed. Renewal costs may be reassessed for circumstantial events that require additional time and analysis.

Hourly Consulting *Ongoing Planning – Maintenance & Renewals
We offer hourly financial consulting on financial planning services unlisted at the package level. Consultations start at $250/hour. We offer ongoing financial planning and consulting services to assist with implementation and accountability of your financial plan starting at $750/year.

 

Not sure which package is right for you?

Allow us to show you our value with our “Gear” package, a one-month engagement free of charge!

 

Financial Planning Services

Services included in packages above are marked with a (G), (B), (R), or (S). Services without a mark are at an additional cost.

Investment

  • (B) Annual Portfolio Review
  • (B) Asset Allocation Selection
  • (R) Ongoing Risk Tolerance Monitoring
  • Dollar Cost Averaging
  • Product Research & Strategies

Ongoing Services

  • Account Aggregation
  • Ongoing Plan Updates
  • Life Event Navigation
  • Progress Reporting
  • Document Storage
  • Task Tracker
  • Implementation Assistance
  • Financial Concept Education

    • Requires planning engagement. Ongoing services included for all packages.

Personal Wealth

  • (G) Cash Flow Projections
  • (G) Net Worth Statement
  • (R) Goal Prioritization & Accountability
  • (R) Major Purchases
  • (R) Financing & Funding
  • (R) Debt Management
  • Lifestyle Changes
  • Refinance Scenarios
  • Expense Management
  • Savings Strategies
  • What-if Scenarios
  • Real Estate Analysis

Retirement

  • (G) Retirement Needs & Funding Analysis
  • (G) Healthcare
  • (B) Savings Strategies
  • (B) Rollover Options
  • (B) Stress Testing
  • (R) Income Management
  • (R) Social Security
  • (R) Employee Benefits
  • Employer vs. Self-Directed Plans
 Tax1

  • (R) Roth Conversions
  • (R) Tax Diversification Strategies
  • (R) RMD Strategies
  • (S) Cost Basis Review/Analysis
  • (S) QCDs
  • Tax-Managed Investing
  • Tax Loss Harvesting
  • Retirement & HSA Contributions
  • Employee Stock Options

Risk

  • (B) Life, Disability, & Long-term Care
  • (B) Insurance Education
  • (R) Existing Policy Review
  • (R) Survivorship Income
  • (R) Property, Casualty, & Liability Insurance Review

Estate1

  • (B) Beneficiary Checklist
  • (R) Estate Education
  • (S) Estate Liquidity
  • (S) Family Wealth Planning & Education
  • Asset Titling
  • Gifting Strategies
  • Wealth Transfer Scenarios
  • Special Needs Planning

Education

  • (B) College Costs
  • (B) Inflation Analysis
  • (B) Funding & Contribution Strategies
  • (R) Student Loan Analysis
  • Parent vs. Student Loans
  • Expected Family Contribution
  • Ownership of Assets

Business

  • (S) Employee Benefits Packages
  • (S) Retirement Plan Options
  • Cash Flow Analysis
  • Cash Management
  • Entity Structuring
  • Business & Family Transfer Techniques>

Executive

  • (S) Stock Option Analysis
  • (S) Tax Efficient Exercise & Vesting Strategies
  • (S) NUA Strategies
  • Risk Concentration Strategies

1 We do not provide tax or legal advice or services

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