Financial Planning

What is a comprehensive financial plan?

If you are like most, you don't want someone telling you how to spend your money. This is not the intended goal of developing your financial plan. Instead, comprehensive financial planning looks at different aspects of your financial needs. We then develop a list of targets or goals to achieve. Ultimately, with a good plan, you can rest easier and find the peace of mind you desire.



Financial Plans are required for your planner to understand your needs.

On our initial visit, we discuss the value of our services and learn why you have reached out to us. Once an agreement is established, we then work with you a second time to collect your financial documents. Using a checklist, we try to be as thorough as possible.

Afterwards, an evaluation process begins and the data is compiled in our system. Once the plan is created, we'll schedule additional time to review and discuss.

Your plan is unique to you and requires significant time. If you like the plan we have proposed, your planner will work with you to implement the advice given. You can also simply purchase the plan and implement it yourself.


Financial documents needed include:

Taxes, all income statements, debt statements, bills, and financial contracts. We will review all property and run a credit report. Lastly, we may also search for old retirement plans that you may have forgotten about.


The topics we review are as follows:

  • Are you spending more than you make and how can you reduce that?

  • Are you saving enough to retire in the future and if you are retired will you outlive your savings?

  • Do you have all you legal documents in order for health care directives, property Interest and wills?

  • What type of insurance do currently have and what do you need?

  • Are you paying more than you should in taxes and what methods should I use to reduce taxes?

  • What should I anticipate for health care expenses when I retire?

  • Are your current investments well allocated based on your risk and needs?

  • What education expenses do you have now or in the future for you, your children or grandchildren?

  • Are you maximizing your employee benefits?

  • What type of financial goals do you anticipate besides retirement? For example, buying a home, new car, or plans to travel?

  • Is your business maximizing your tax benefits? Are you planning to open a business in the future? Does your business achieve the success you desire? What areas can you improve?