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What is

FINANCIAL PLANNING

and why do you need it?

PLANNING IS A WAY OF LIFE

Financial planning is the process of determining whether and how an individual, couple or business can meet life’s goals through the proper management of financial resources. It is an integrated process focused on certain subject areas and material elements.  Financial planning is a dynamic process. Your financial goals may evolve over the years due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family.

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FINANCIAL PLANNING
CAN INCLUDE:

  • Financial statement preparation and analysis (including cash flow analysis/planning
    and budgeting)

  • Insurance planning and risk management

  • Employee benefits planning

  • Investment planning and management of
    risk tolerance and diversification

  • Income tax planning strategies

  • Retirement planning

  • Estate planning strategies

MOVING FORWARD

When, and if, we mutually agree to work together, the services to be provided may include some or all of the following areas:

 

  • Discussing your financial goals and objectives

  • Gathering relevant financial information

  • Reviewing your financial situation and performing a needs analysis to help determine appropriate solutions 

  • Assisting with the implementation of product recommendations

  • Monitoring progress and updating as needed

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Please note that the recommendations that I make for you will be based, in part, on the data you provide and therefore, completeness and accuracy of the information is very important.  Whenever there are material changes in your financial situation, it is your responsibility to inform me of those changes.  
 

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