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We Are A Planning First Firm

Wondering What It Means To Be A Planning First Firm?

Whether you’re settling into retirement or starting a college fund, we know that financial planning can feel overwhelming, taxing and downright difficult. To operate at a true-fiduciary level, we wanted to design a process that is 100% free from the conflicts of interest you might experience with other advisors who focus on selling you a product. That’s why we use a planning first approach and have developed our Financial Life Plan™ to help you determine where you are now, where you want to be and how to get there. Once you've completed your FLP you are under no obligation to work with our firm.

Here are the core planning areas that make up our Financial Life Plan™


Tax Management Planning

  • Roth Conversion Bracket Bumping
  • Maximizing your Tax Bracket
  • Lifetime Tax Mitigation Strategies

Goal Based Financial Planning Analysis

  • Defining your Goals-Time horizons
  • Assessing your Goals- Future Costs
  • Analyzing your Goals: Probabilities for Success

Cash Flow Analysis


  • Budget Breakdown
  • Current Saving Projections
  • Implementable Saving Strategies

  


Protection Planning Analysis

  • Life Insurance Audit/Needs Analysis
  • Disability Audit/ Needs Analysis
  • Long Term Care Risk Mitigation
  • Implementable Insurance Planning Strategies

Personal Risk # & Portfolio Analysis

  • Volatility Tolerance
  • Investment Audit
  • 401(k) and Retirement Plan Allocation Analysis
  • Implementable Investment Strategies

Retirement Readiness Road map

  • Personalized, Customized Bucket Plan
  • Personal Client Web Portal
  • The Family Estate Vault
  • Annual Update to Financial Modeling Report

  

What Is Our Service Model?

Brutal Honesty & Radical Transparency is our tagline (c’mon, it’s on the first page). 

We want our fees to be clear to you right away. Here they are: 

Over $150,000 Household Income

$3,000-$5,000 One Time Planning Fee (Price dependent on complexity of work required)

Under $150,000 Household Income

$2,000 One Time Planning Fee
Age 26 and under$500 One Time Beginner Financial Planning Fee


A breakdown of how we get paid if you choose to hire us as your investment advisor at the plan’s conclusion can be found here


Why Are We A "Planning First" Firm?

Generally I won’t suggest investment options without performing a financial analysis. I mean, I’m just not good enough to provide credible advice without seeing the entire financial picture and understanding the overlapping and sometimes competing client goals. So I educate first, then I plan, and then if we come to an agreement, I will advise and provide investment services. -Lance Drucker, CLU ChFC

Ready to take the first step toward planning for your financial future?

Schedule a "Fit" Call


Learn more about the Drucker Wealth Financial Life Plan™: