Congratulate yourselves on doing what less than 5% of the population does... planning for your financial success. Because of your planning, you will also be one of the few who have a secure retirement and accomplish your most important goals while protecting your family! 

Package A - Comprehensive Financial Planning

You will received:

•  A 10-15 page financial plan with a series of “To Dos” that includes a net worth statement, retirement projection, and action checklist.
• The financial plan includes recommendations in the following areas: cash flow planning, debt repayment, investments, retirement planning, insurance, estate planning and tax planning.
• An asset allocation on your 401(k) or work retirement account(s) is included as part of this service.
• A review of your benefits package with a 1-2 page summary on which programs you should choose to maximize your company benefits.
• A recommendation of the credit card that fits your needs based on your spending.
• Access to a network of other financial professionals such as estate planning attorneys, CPAs, and insurance agents.

What’s included?

• 90 minute initial Discovery meeting either via video conferencing (such as Skype/Zoom) or traditional face-to-face meeting.
• 90 minute Plan Delivery Meeting to go through the planning recommendations.
• A 10 to 15 page Financial Plan with easy to understand recommendations and a 1-2 page action checklist.
• 30-60 minute follow-up meeting every six months to check your progress.
• A CFP who you can reach out to via email as your situation changes. 
• Investment advise available at 1% of assets under management.
• Access to other financial professionals to be on your team to help you implement your recommendations.

Cost: The planning fee is $2,500 followed by monthly subscription fee of $168 per month. 

If you only need one-time financial planning analysis as a second opinion, then it can be done a la cart. Please contact us for specifics. 

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Package B - Quick Pick 

This package includes:

90 minute meeting via video conference (such as Skype) or traditional face-to-face meeting. 

An in-depth analysis of your 2-3 most pressing financial topics. some of the popular topics are: 

1. How do i set up my 401(k) plan and choose my investments?
2. How much should i save aside for emergency fund vs other goals?
3. How do i start my Roth IRA and what should I invest in? 
4. Help me understand my company benefit plans and recommend what i need to participate in?
5. What do I need to do now that i just had a baby? 

Cost: $799

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Special Tax and Financial Planning for Small Business / Self-Employed / Consultant 

Small businesses and self-employed individuals often don't want to spend money to get professional tax and planning advise, which is often turned out to be one of the most costly mistakes business owners make. 

One of the most under-utilized tax/finance tool for small business is company funded retirement account for business owners: 

• Self-Employed 401(k) Plan
• SEP IRA Plan
• SIMPLE IRA Plan

Benefits:

• Tax-deferred growth
• Tax-deductible contributions (up to $58,000 for 2021)
• Pre-tax employee deferral contributions (401(k), up to $19,500 for 2021)
• wide range of mutual funds, stocks, ETFs, bonds, and FDIC-insured CDs to choose from.

Contact us for additional information and start your planning for financial freedom!

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Special Tax and Financial Planning for the About-to-Retire / Retiree 

More and more people have reached their full retirement age, but are apprehensive on officially retiring. Some of the questions they have are: 

• Do I have enough to retire?
• How much can I withdraw from my retirement funds (IRA, 401(k), other savings vehicles) each month?
• Could/Should I withdraw fund from my life insurance?
• Where should I withdraw first? 
• Should I start claiming Social Security Retirement check at age 62, 66, or 70? 
• What are the best investments choices for my retirement accounts?
• I want to leave some fund for my children/grandchildren, which one of my accounts are the best choice for that?

These are very important questions (and if you haven't asked yourself this already, you should), the answers are often different for each individuals due to different financial and life circumstances. Consulting a qualified professional can help you navigate your options and choose the best course of your retirement.

Contact us for additional information and kick start your well deserved retirement golden years!