Do you feel overwhelmed about where to start in trying to reach your financial goals? Perhaps you are on the right track, but you want more certainty that you’re making good decisions. This is where a financial plan can help you.

The financial planning process takes a deep dive into multiple aspects of your financial life to create a personalized, actionable plan that you can follow to work towards your goals. The plan helps to provide a clear picture of how the individual aspects of your finances (such as taxes, what accounts you contribute to, how your estate is set-up, and more) are all intertwined and affect one another.

Once we model your current financial situation, we run stress tests to determine the viability of your plan though various conditions. This includes but is not limited to 1) changes in expected market performance 2) increases or decreases in spending and income 3) impact of unexpected healthcare events 4) changes in risk tolerance 5) legacy and gift planning.

Upon completion of your plan, we can provide specific recommendations that suit your unique needs. We will work together to implement the recommendations to ensure you are on the right path towards achieving your goals. This allows you to spend less time worrying about your finances and more time on things you enjoy. 

 

Lite Plan

Plan description: 

Get started with a plan that helps you see exactly where your money’s going and how to make it work better for you. We cover the basics—like budgeting, investing, and saving for retirement—so you can make smart money choices with confidence

 

Initial plan set-up (1-year engagement)

$3,000

Plan updates (per update)

$250

Suitable for: 

Individuals with simple financial situations, young professionals, young couples and individuals looking to begin their financial journey in the right direction.

Purpose: 

This plan focuses on the basics, giving you clear guidance and building a strong foundation to help you work toward your financial goals.

 

Standard Plan

Plan description: 

Take your money game to the next level by focusing on what matters most — whether that’s retiring early, saving on taxes, or buying your dream home. We’ll build a personalized plan that grows with you and helps you work towards every milestone.

 

Initial plan set-up (1-year engagement)

$4,500

Plan updates (per update)

$500

Suitable for: 

Individuals with more complicated financial situations, rising professionals, parents, self-employed or business owners, multiple financial goals and individuals looking to accumulate wealth.

Purpose: 

This plan allows us to address more specific questions, needs and financial goals.

 

Comprehensive Plan

Plan description: 

Get a comprehensive overview that covers every part of your financial life. Whether it’s advanced tax strategies, equity compensation, real estate, or estate planning, we’ll tie everything together into one clear, easy-to-follow plan—so you’re always prepared for what’s next.

 

Initial plan set-up (1-year engagement)

$6,000

Plan updates (per update)

$1,000

Suitable for: 

Individuals with complex financial situations, varied investments, large estates, business owners, high earners and individuals looking for a complete understanding of their finances.

Purpose: 

This plan helps us tackle your complex questions and needs across different parts of your finances, showing how each decision connects and impacts your overall financial future.

 

Cash Flow Analysis 

Identify your income sources and expenses so you have a clear picture of where your money goes each month. Provides opportunity to make smarter spending choices.

 

Income and Expense Analysis

 

 

 

Cash Flow Optimization & Saving/Spending Recommendations

 

 

 

 Funding Strategies for Goals

 

 

 

 

Investment Planning 

Create a diversified portfolio specific to your risk tolerance and financial goals.

 

Goal Setting

 

 

 

Risk Tolerance Assessment

 

 

 

Portfolio Analysis and Recommendations

 

 

 

Stock Options Strategy

 

 

 

Concentrated Stock Analysis

 

 

 

Alternative Investments/Seperately Managed Accounts Analysis

 

 

 

 

Debt Management

Prioritize your debts and develop a plan to pay them off.

 

Debt Analysis & Recommendations

 

 

 

Financing optimization for new liabilities (real estate, margin, etc)

 

 

 

 

Retirement Planning

Develop a plan to work towards your retirement goals.

 

Income Needs Analysis

 

 

 

Income Planning in Retirement

 

 

 

Social Security Strategy

 

 

 

Pension Benefit Analysis

 

 

 

Healthcare Cost Analysis & Projections

 

 

 

Real Property Review (vacation home purchase/downsize, etc)

 

 

 

 

Tax Planning

Minimize your tax liability so your money goes further. Identity which tax strategies suite your needs to optimize your wealth.

 

Investment Accounts Contributions Analysis

 

 

 

Review of Recent Tax Return

 

 

 

Roth Conversion Analysis

 

 

 

Capital Gain/Loss Analysis and Optimization

 

 

 

Retirement Plan Analysis (for business owners/self-employed)

 

 

 

Real Estate 1031 Exchanges

 

 

 

Coordination of Tax Planning with CPA of Choice

 

 

 

 

Estate Planning

Ensure your estate plan is current and reflects your wishes and values so that your assets pass to your loved ones as you intended.

 

Reviewing Beneficiary Designations

 

 

 

Review of estate Documents

 

 

 

Coordination of Estate Plan with Attorney of Choice

 

 

 

Charitable Giving Analysis and Recommendations

 

 

 

Legacy & Gift Planning

 

 

 

Estate Tax Planning

 

 

 

 

Education Planning

Develop a plan to save for educational expenses for your loved ones

 

Education Funding Strategy

 

 

 

Education Cost Analysis & Projections (including Private K through grade 12)

 

 

 

Insurance Planning

Ensure you and your family are thoroughly covered for life's unexpected events.

 

Life Insurance & Annuity Analysis

 

 

 

Medicare Analysis

 

 

 

Employee Benefits Analysis

 

 

 

Property and Casualty Insurance Review

 

 

 

Disability Insurance Planning

 

 

 

Long-Term Care Planning

 

 

 

 

The Financial Planning Process

 

Step 1
Engage

To initiate the plan, we must have a signed Financial Planning Agreement on file, which can be completed electronically. This indicates that we are entering into a financial planning relationship with you.

Step 2
Gather

We will send you documents to gather the basic information about your financial situation, which includes your assets, liabilities, income sources and expenses, if applicable.

Step 3
Discuss

We will schedule a 1-hour appointment to discuss your goals and priorities in further detail. This call will help provide more background and insight into your financial goals so we can accurately model them into your plan.

Step 4
Create

We consolidate and analyze the information you provided to create a clear picture of where you are now and what steps you need to take to get to where you want to be.

Step 5
Present

We will schedule a 1-hour appointment to present the plan. This includes reviewing the strengths and weaknesses, the gaps that should be addressed, and recommendations on how to move forward towards your goals.

Step 6
Implement

We will assist in implementing the agreed upon recommendations so you can make real progress one step at a time towards your goals.

About WealthVision

Our financial planning program is called WealthVision powered by eMoney. When you engage in a financial plan with us, you get access to WealthVision’s personalized client portal. The portal offers an interactive experience and greater transparency, which promotes collaboration in working towards your goals.
 

The client portal Includes:

  • Access to the data used in your plan including your assets, liabilities and expenses.
  • Access to custom reports such as balance sheets and cash flow models that provide greater insight into your financial picture.
  • Securely store important documents for convenient online access.
  • Aggregate accounts in one place.