Financial Planning for Millenials

As a young adult or family within the mist of your accumulation period, it is vital to begin your life’s journey with a healthy financial beginning. We firmly believe in families becoming knowledgeable of their financial options as to the level of comfort with your everyday life. We take a holistic approach when assessing the need of each individual’s unique situation. We ask the necessary questions to better understand each client’s current financial situation. This approach helps us align the best options for your future financial outcome. With this in mind, we work with individuals and families in their 20’s and 30’s in the following areas:

• • Investment Planning
• • Financial Planning
• • 401k Guidance

Investment Planning

Our investment-planning program takes a look at the investment options, which are appropriate, based on your current financial situation. We work together to find the best investment asset allocation by better understanding your unique situation. We ask questions such as; what is your risk tolerance, age until retirement, expected life changing events, debt to income ratio and other extremely important questions that ultimately define your investment future. The questions help us better understand how to invest assets on a sector basis, along with the correct asset allocation. Based on the information gathered we will know your risk adverse level. Are you within an aggressive growth category or are you more conservative? After gathering the necessary information, we will work together during the implementation phase in ensuring the strategy is inline with who you are and your goals.

•    30+ minutes question session (Phone, Skype or In Person) •    Investment Planning Session: Includes 401k, IRA, Brokerage Accounts and College Saving Plans •    Semi Annual and Annual Portfolio Review •    1 Investment learning session; includes workbook and practice test •    Review of your overall investment portfolio (brokerage accounts and retirement accounts) with a 1-2 page summary. •    2 Page write up of the assessed plan

Financial Planning

Our financial planning program looks to incorporate all aspects of an individual or families financial picture in order to help them realize their financial health. Taking into consideration Insurance needs, educational needs, tackling unhealthy debt, consolidating debt and etc. The goal here is to help put our clients on a successful road to financial health. We incorporate a great deal of education, helping our clients with not just organization of their finances but also understanding the steps, which are being implemented.

•    30+ minutes question session (Phone, Skype or In Person) •    Financial Assessment Session: We tackle financial positioning, financial health, planning and prioritizing your finances and etc. •    Credit scoring and building a strong financial future •    Annual Review of progress •    Workbook with case study’s •    Review of overall financial outlook •    2 Page write up of the assessed plan

401(k) Assessment Program

Our 401(k) Assessment Program takes into account your company’s sponsored plan. We help our clients better understand the options within their plan and upon a change of job, we help with making the decisions of whether it’s appropriate to continue to invest in your former company’s plan (if this is an option) or should our client roll the funds over into an IRA account. There are certainly options when it comes to a 401(k) or 403(b) and we want to make sure our clients or in possession to take full advantage of every opportunity.

•    30+ minutes question session (Phone, Skype or In Person) •    401K Assessment Session: Full review of your qualified company plan including plan rules and investment options. Creating a long-term investment strategy plan. •    Annual Review of your portfolio