Wondering What It Means To Be A Planning First Firm?
We know that as a high earning young professional with a lot going on financial planning can feel overwhelming, taxing and downright difficult to think about!
To operate at a true-fiduciary level, we designed a process that is 100% free from the conflicts of interest you might experience with other advisors who are only interested in managing your money (and as soon as possible!).
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®
Cash Flow Analysis
- Budget Breakdown
- Current Saving Projections
- Implementable Saving Strategies
Tax Management Planning
- Roth Conversion Bracket Bumping
- Stock Options Analysis & Planning
- Maximizing your Tax Bracket
- Lifetime Tax Mitigation 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:
Wealth Builder Division:
Age 30-49 | Individual: $3,500-$3,600Couple: $4,000-$4,100 |
Age 29 & Under | Individual: $3,000-$3,100Couple: $3,500-$3,600 |
Retirement Division:
Age 50+ | $6,000-$8,000 |
*One time planning fee, price dependent on complexity of work required.
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.
See what our clients are saying...
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Read all of our 5-star Google reviews: | Read reviews |
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