Financial Planning for your

Your journey has been a long time in the making. It can an exciting time, but it also comes with complications and a new set of concerns. You’ll, be faced with many different opinions, have questions, and may have to choose between two seemingly equal pathways. As an individual, your goals and motivations are constantly changing, and you find yourself in a continuous state of personal repair and regrowth. We define financial independence as the phase in your life where you may choose to work for the social, health, and structural benefits, but are not required to work based on financial need. The journey towards your independence could have come naturally or maybe it felt like a constant struggle. Now that you’re here and your accumulation years are behind you, a new journey is ahead as you can work to bring your portfolio, your financial plan, and your mindset fully into your independence.

Independence Planning

A deliberate focus on fundamentals and logistics will be the epicenter of your independence plan. The timing of income and tax consequences, including planning for withholding tax, and portfolio longevity, are key focuses. Your independence plan will give you confidence in your options for a sustainable income, help to shift your mindset from employment income to portfolio income, and will reassure you with regular reviews and cost transparency.

Survivor Planning

Your survivor plan emphasises the process of working through significant life changes through three distinct phases. We start with estate issues like transfers to beneficiaries, transition to income planning with cash flow planning, and then work towards a sustainability focus with emphasis on tax efficiency and estate goals. Your personal concerns and your loved one’s wishes are kept at the forefront of every recommendation. Together, we build a plan of dignity and respect for your personal regrowth and the love that you shared.

Succession Planning

An effective succession plan is one where the communication remains strong and positive with everyone involved, most specifically your family. Your personal values and equivalization are discussed and balanced, while structure and formality are built into your ideal succession. A review of tax consequences and income are integrated through each step, so you can feel confident making decisions that maintain the integrity of the business you are working to preserve.

Inviting professional financial planning into your life drives a movement in the way you understand your finances while our processes, principal-based philosophy, and positive energy redefines what it means to have a financial plan. And with this clearer perspective, you’ll be in a better position to adapt to any challenges or obstacles that may come into your life.

Your financial plan will be developed over a series of one-on-one meetings and builds into regular scheduled planning updates and portfolio reviews. Once you receive our complimentary introductory kit and book a discovery meeting, your view on what it means to have a financial plan will begin to evolve.

#1 Introductory Package

This information package tells you a little about us, the industry, and what our financial plans look like.

We provide you with the agenda for the discovery meeting where you tell us all about you and your expectations.

#2 Discovery Meeting

We love our clients! We love learning about your families, your dreams, your hobbies, and how we can help you.

#3 Fit Meeting

Now that we have learned all about you, the fit meeting is to determine if the relationship between us is a good fit.

Everyone is different and we all have different personalities. We want to make sure you will be getting the best service you can receive from a financial planner whether it is us or from another advisor, we will make sure you find someone you are comfortable working with.

#4 Preparation of Financial Plan

Now that we know each other, it is time for us to start creating your financial plan based on your specific needs.

Don’t worry if you forgot to mention anything, we have you covered. This plan is just the beginning of our relationship. You can call or text us anytime and let us know what is happening in your life and we will incorporate it into your plan.

“The one constant in our lives is change.” – Daniel Gilbert.

#5 Plan Presentation

The plan is presented to you and we work together making sure we have covered everything you have shared with us.

Again, don’t worry if you forgot to mention something. This is just a draft plan and is designed to help you put your ideas and visions on paper so you can see a clearer path. We expect you to make changes as you start to see the timeline develop.

#6 On-Boarding Meeting

Welcome to our team! You are going to love it here.

We meet again over a yummy cup of tea to discuss the changes we made to your financial plan and talk about how awesome we are.

#7 Ongoing Review

We will review and update your plan with you as you continue to tend to your family.

“When you change the way you look at things, the things you look at change”

Dr. Wayne W. Dyer American Author

In 2015, our office switched to a fee-based business model to reflect a higher degree of transparency for our clients, while adding more flexibility in services. We know it can be a difficult decision to start planning for the future and to find the right advisor to help you get there. That is why the first few meetings are “at our expense” as we get to know you and your financial needs.

A financial plan (base plan + cash flow plan + retirement plan) can initially take between 5 and 8 hours to develop (reviews take less time). More comprehensive financial plans that included tax and estate planning can take up to 20 hours, depending on the complexity.

Our fee-based planning engagements are billed out at $432.49 per hour and are updated on a tri-annual basis, or as-needed. For clients with assets under management, the financial plans are compensated already through the AUM fee engagement and these clients will not be billed directly for a financial plan unless the planning work they request is well beyond the scope of AUM fee engagement (see our fee-based compensation model here). In these situations, the compensation arrangement will be clearly discussed, and a custom engagement agreement will be signed.