Financial Planning

Clarifying your financial future

Envisioning the end from the beginning.  Our  financial plans for retirement are always forward looking.  It’s not  just about where you are today but where you need to go in the future.  Your financial plan for retirement requires specific care through each step of its life-cycle and it will adapt over time.

Planning Simplified. We believe financial planning has gotten entirely too complicated over the years.  Most plans are large, costly and rarely implemented.  If you have gone through the planning process with other advisors in the past you may know what we mean.  Our plans are not unsophisticated but are entirely goals based.  In-other-words we move beyond just mathematical calculations.

The Financial You. When it comes to money people are made up of three parts;  their heart, their brain, and their balance sheet.  Or; how they feel, how they think, what they own and what they owe.  The sum of these three parts is the financial you. By connecting the “Financial You” to the “Financial Plan” we significantly increase the probability your plan will succeed.

The Financial You
The Financial You








A real life example.  A client, at their first plan review, began to share a desire to use investment assets to pay off their home mortgage.  In fact, they mentioned it three times as we discussed other aspects of their plan.  Toward the end of our meeting they asked our opinion as to whether they should pay off their house.  Intellectually it made sense to let investment income pay the monthly mortgage.  However, we told them their strong feelings about eliminating mortgage debt held the trump card. We encouraged them to pay off their mortgage (which they did!)

Take a moment and ask yourself these questions:

  1. What are my financial goals for retirement?
  2. How will I prioritize those goals (i.e. paying the mortgage might be more important than buying a boat)?
  3. What kind of investment returns do I need to accomplish my goals?
  4. How comfortable am I with risk? What about my spouse?
  5. Do I have a plan for 25+ years of retirement income?
  6. Have I reasonably protected my family and assets from unforeseen events?
  7. Do I have specific estate goals (i.e. money I want to give away)?
  8. How confident am I that my plan is sustainable?


Conclusion.  If you can confidently answer each of these questions you are ahead of the curve.  If, like most people, you can’t answer all of these questions, or maybe just a few, than you need a goals based financial plan.  You can start here and we can help.

Quality is never an accident; it is always the result of high intention, sincere effort, intelligent direction, and skillfull execution.

William A. FosterMedal Of Honor Recipient