Planning Approach

During the first year of a client relationship, we typically cover all major areas of financial planning analysis. This is done in order of importance to the client and the client’s situation. Over the course of several meetings clients become more grounded in their financial situation, and have information and analysis that helps them make decisions about their financial present and future. As we work together with our clients over many years, we will refresh particular parts of the planning work. In addition, we routinely check in on all the major financial planning areas of clients’ lives, depending on the level of importance that each area has for that particular client.

Typical areas covered in our financial planning for our clients include:

• A projection of client wealth over the course of their entire lives
• Analyzing the major levers in saving and spending in the present and the future
• Analyzing and targeting household expense levels, and monitoring over time
• Managing debt such as mortgages and other major areas of household debt
• Helping assess the need for insurance and analyzing existing insurance policies
• Assisting tax advisors with tax planning, particularly when it comes to investments
• Planning for and saving for major education expenses