What you get

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The starting point of any ongoing relationship is an understanding of you. Your situation, aspirations, concerns, and questions about your finances. Our ongoing service begins with the creation of a written financial plan document. And maintenance of your financial plan is critical to financial wellness, a financial plan is not a one-time thing. It is a framework that is living and breathing, dynamic, tool for future decision making.  Over the course of our clients' lives, their life situation changes, tax laws may change, financial markets and economic cycles are constantly in flux, so your financial plans and course of action needs to be adapted to make the best of each season. With our ongoing financial planning & investment management service, we are positioned to be a trusted partner to evaluate opportunities, mitigate against blind spots, and make thoughtful choices which align with our goals and vision for your plan that we define together.

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After completion of your initial plan, we'll work closely with you throughout our relationship. Typical areas in which we provide ongoing advice are:

• annual portfolio withdrawal strategies for retirement income

• Roth conversions and lifetime tax planning around retirement account taxes

• analyze options of when to claim Social Security

• selecting pension payment types

• consolidating investment accounts

• establishing an investment portfolio policy aligned with your goals 

• analyzing health insurance options

• establishing a spending plan

• consolidating debt

• refinancing or establishing a mortgage or reverse mortgage

• analyzing impact of buying or selling real estate

• establishing plan for protection of against long term care

• updating estate documents and beneficiary forms

• setting up income tax withholding elections

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Financial planning is fluid, and as information and clients needs change, the advice should change. It's a close ongoing relationship and dialogue between us involving virtual meetings, calls, e-mails, etc. The ultimate goal is for us to help you feel confident you are making the best possible decisions around your finances to allow you to live your best possible retirement!

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Our Service Calendar involves two formal meetings per year to update your plan, refine your portfolio withdrawal strategy, determine each year's tax planning objectives and actions, review estate plans and wishes, discuss any questions you have, etc. While the plan is to have two formal meetings a year, this is not a cap by any means. We often have follow up meetings on certain action items unique to each situation, and we strive to be in touch and available throughout the year with our newsletter and occasional check ins.  We're accessible by Zoom, phone or e-mail as situations come up, urgent or even if it is just a question - we want clients to reach for us as the go-to resource 411, or if any urgent financial emergency occurs, we hope they feel they can contact us. 

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Additionally, you'll have your own personal finance portal through RightCapital our financial planning software. Your RightCapital portal allows you to aggregate info from all of your credit cards, banking, investment and lending accounts into one single view. You'll be able to see and track your net worth, investment holdings, cash flow projections and various other financial reports