Financial Planning
Financial planning is the best option for those that have a lot of questions and want a place to start.
You’ll receive strategic investment guidance and advice, even if you don’t currently need hands-on asset management. Our financial planning fees are affordable and will vary based on each client and the complexity of your situation.
It is important to note that there is never a charge for our first meeting. We will take that time to evaluate your needs, your financial goals and accounts. Once we’ve had that initial meeting and time to determine the appropriate path forward, we will follow up with you with a cost that will cover our time to prepare your investment recommendations or financial plan. Flat fee costs will be waived if we determine that moving your account(s) under our firm’s management is most suitable.
Transparency is our cornerstone
Our fees are based on the complexity of your individual situation. After our initial meeting we will be able to provide you with a cost to prepare your financial plan.
Example 1: Start Up Planning
Meet Luke & Sarah
Luke and Sarah are in their upper 30s, have two young children, and modest retirement savings. They want help with their employer retirement plans, IRA savings and saving for college. They also want to explore life insurance to see if they are properly covered.
Luke and Sarah would be suitable for our Start Up Planning where we will make investment recommendations for their employer retirement plans, discuss Roth IRA’s and Traditional IRA and what makes the most sense for them and evaluate their college savings and life insurance needs.
This is a hypothetical example and is not representative of any specific situation. Your results will vary.
Example 2: Comprehensive Financial Planning
Meet Bob & Mary
Bob and Mary are seven years away from retirement. They need an in-depth look at the investments in their multiple retirement accounts. They would also like to answer the question: “have we saved enough for retirement?” They would like to discuss expenses, retirement income planning, social security, long term care, life Insurance and health savings accounts.
Bob and Mary would be a fit for Comprehensive Financial Planning. During our planning session, we would determine if they’ve saved enough for retirement and, if not, what they can do to catch up. We would start planning for retirement income and strategic social security planning. We would also be able to do an assessment on their life insurance, long term care and health savings accounts to make sure they have adequate coverage. We would discuss tax efficiency in retirement and introduce legacy and estate planning strategies.
This is a hypothetical example and is not representative of any specific situation. Your results will vary.
Ready for a brighter financial future?
Keri Holton offers a free, no-commitment consultation to review your current finances and learn more information about your best path forward.