Financial Foundations

What is Financial Foundations?
Financial planning isn't just about investing; it's about what money can do for you -- and the security and quality of life it can offer. Everyone deserves the opportunity to build financial wealth based on their own values and priorities. Make your money work harder for you with personalized investing portfolios. We aren't your average advisors - we go beyond investment advising and help you roadmap a plan for your life.
Financial Foundations
The standard package and the foundation of all the packages we offer.
Because everyone deserves basic financial education!
Adulting
Being pulled in different directions can make it hard for you to prioritize your financial future. You have so many big-ticket items during this time, and it can feel very overwhelming.
At this stage, you are getting married, buying a house, building your career, and starting a family-- you may have also started to accumulate assets that you may need help organizing. You're really just starting your adult life.
Navigating these items with a professional can ensure you are making the right financial decisions, that will have a strong impact on the rest of your plan.
Home Stretch
You’ve spent decades planning for retirement, and you are almost there! It is very important to make sure your loose ends are tied up, so you can enjoy the rest of your life care-free.
Around this time, you’ve put the kids through college and climbed the ladder in your own career.
You can now focus completely on your biggest goal: having enough saved so work is optional, and a worry-free retirement can commence.
Golden Years
You’ve worked hard for decades, now it’s time to make sure your pot of gold helps you achieve everything you dreamed retirement would be -- and more.
We will help you develop a distribution strategy examining your new cash flow needs in retirement. Healthcare concerns may be on the forefront of your mind, and we will address these issues to ensure you’re prepared for end-of-life care.
We know you’ll need someone with experience to help your legacy become a reality. We invite your family to join us as we structure your wealth transfer strategy.
Entrepreneur Life
You dedicate your life to your business and it’s your pride and joy. We want to make sure life’s obstacles don’t catch you by surprise and jeopardize what you’ve worked so hard to build.
We also want to ensure you’re taking advantage of the unique opportunities that are available to you as a business owner.
With a combination of risk management, tax-conscious strategies, and wealth accumulation, we will fortify your financial situation by considering all facets of planning.
Hasta la Vista, Baby!
You’re going through or have gone through a separation or divorce and while this change can be hard, it doesn’t mean your life stops here.
We like to think of it as the close of one chapter and the start of another one. Together we’ll identify areas of opportunity while addressing any gaps in your plan.
We’ll hold your hand while things are tough and help you envision your new bright future.
The Basics
All financial planning packages include:
- Set up and Access to Financial Planning Software
- Downloadable mobile Phone App for on-the-go visibility
- Aggregation of all of your financial accounts
- Vault access to store sensitive documents
- Financial Goal Setting
- Before and after cash flow analysis
- 401(k), 403(b), Deferred Compensation Allocation review
- Employee Benefits Planning
- Behavioral Finance Coaching
- Monte Carlo Analysis – Probability of success for goals
- Investment Review
- Risk & Insurance Needs Analysis
- Beneficiary Review
- Updates to plan for changes of lifestyle event planning (marriage, divorce, children, job, education)
- Access to our professional network: Accountant, Estate Planning Attorney, Divorce Attorney, Personal Injury Attorneys, etc.
- Investment Account Set Up & Management as desired
- Provide financial guidance / planning for special circumstances – divorce, disability, job loss, special needs, monetary, windfall, etc.
- 1-page Financial Statement reviewed annually
Financial Foundations
$399 and $50 / month
At the cornerstone of all financial planning, is building a strong foundation. With smart money management, budget savviness and investment knowledge your financial goals can be well within reach. We understand you’re starting out, so we want to partner with you to get you through the fundamentals of a solid financial plan, including making a budget, familiarizing yourself with investing and balancing debt reduction with effective savings habits. This package includes all of the basics, plus:
- Budgeting Basics: Make a spending plan that aligns with your values and goals
- Retirement Review: Employer plans vs self-directed plans
- Savings Strategies: Building good habits to ensure long term success
- Liquidity Needs Analysis
- Debt Reduction: When to pay down and when to pay in
- Analysis of debt repayment strategies
o Student loans, credit cards, etc.
Adulting Package
$499 and $75 / month
You have a huge advantage when it comes to financial planning: time. With smart money management, budget savviness and investment knowledge, your financial goals can be well within reach.
This package includes everything in our standard package plus:
- Retirement check in: Are you on track?
- Prioritization of financial goals
- Consolidating assets
- Insurance gap analysis: Life, Disability, Umbrella
- Estate Planning Basis: Will, Power of Attorney, Health Care Proxy, Trust Accounts
- Savings Plan: Paying for your wedding, Down Payment on a home, Renovating your house, etc.
- Starting accounts for your children’s future
- Pre-nup discussion
- Debt Reduction: When to pay down and when to pay in
- Analysis of debt repayment strategies
- Student loans, credit cards, etc.
Homestretch
$899 and $100 / month
This package is ideal for those who value 360-degree coverage on all of their financial planning considerations. You're not new to making your finances a priority. Your aging parents are ahead of you. They may be healthy now, maybe not. Whatever their status now, they want to finish their golden years in peace — and that needs looking after sometimes. Your children are aging through high school and up into college. That means tuition and potentially more financial support after they graduate.
This package includes everything in our standard package plus:
- Retirement Analysis: How soon can you afford to retire comfortably?
- Social Security Analysis: What is the best start date for you?
- Cash flow analysis before and after retirement
- Family Financial Education
- Healthcare Planning: Long Term Care Insurance, Medicare Planning
- Risk & Insurance gap analysis: Life, Disability, Umbrella
- Stress Tests of Portfolios
- Tax conscience planning
- Estate Planning Basis: Will, Power of Attorney, Health Care Proxy, Trust Accounts
Golden Years
$899 and $100 / month
Around this time, you’ve put the kids through college and climbed the ladder in your own career. You can now focus completely on your biggest goal: having enough saved so work is optional and a worry-free retirement can commence. And that retirement is just around the corner!
This package includes everything in our standard package plus:
- Wealth Transfer
- Family Wealth Transfer Planning & Relationship Management
- Vault access to store and manage crucial estate documents
- Including Will, Power of Attorney, Trust Documents
- Legacy Planning
- Healthcare Planning: Long Term Care, Life Insurance, Medicare Planning
- Complex Trust Strategy
- Charitable Giving
- Advanced Investment Solutions
- Distribution Strategies and RMD’s
- End of Life Planning Organizer
Entrepreneur / 1099
$499 and $75 / month
You dedicate your life to your business and it’s your pride and joy. We want to make sure life’s obstacles don’t catch you by surprise and jeopardize what you’ve worked so hard to build.
This package includes everything in our standard package plus:
- Employee Benefits
- Risk Assessment
- Insurance Plan Design: Disability, Business overhead
- Retirement Planning
- Tax Planning
- Succession Planning
- Business Budgeting: Make a spending plan that separates operations and tax expenses
- Business entity planning
Hasta la Vista, Baby!
$999
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
This package includes everything in our standard package plus:
- Before and after cash flow analysis
- Individualized Beneficiary Review & Estate Planning
- Name Change Kit
- QDRO Execution
- Asset and Debt Separation Strategy
- Homeownership Planning
- Review prenuptial documents
Investment Management
You will receive a comprehensive, semi-annual performance review that will detail your entire portfolio’s return, as we exercise continuous supervision of your assets under our management. Taking into consideration your goals, we will select, buy, monitor, and exchange mutual fund shares, or other securities in your best interest. We will apply due diligence to our process and carefully research and evaluate the individual investment securities.
Single Issue Planning / Hourly Consults
You may not have a need to have a comprehensive financial analysis, but you do need advice on a specific issue.
Employee Benefits Review
Those large packets you receive from HR can be overwhelming, but we’re here to break it down! We will make sure you’re taking full advantage of what your company has to offer you including: health insurance, life insurance, HSAs, FSAs, retirement benefits, etc.
Insurance Review
We know this isn’t as glamorous as investing but risk management is an essential part of a financial plan. Examples for an insurance review would include a review of insurability need for life insurance, long-term care, property and casualty insurance and disability insurance, as well as, and review of existing policies.
Savings Strategies for Kiddos
Did a family member buy another toy that your 1-year old didn’t need? Let’s put this generous money to work. We can get that money invested toward future big-ticket items like a future car, college expenses, etc. Together we’ll discuss your options to build a brighter future for your loved ones.
Second-Opinion Investment Review
Whether it be personal IRAs, brokerage account or employer sponsored retirement accounts, we can conduct a thorough risk analysis, cost-benefit analysis, and asset allocation analysis. After a comprehensive look, we can provide an alternative strategy recommendation, if necessary.
Home Essentials
Home buying can be an overcomplicated process, together we can break it down and make sure you do it right! Through careful consideration we’ll help you find a realistic price point and narrow down a purchase timeline, assess your income, resources and current cash flow, as well as determine a down payment strategy and life insurance need to back any loans.
Pre-Wedding Planning
Congratulations and buckle up for a joyous ride! As a team we want to make sure all the financial logistics of getting married are taken care of, so you don’t have anything to distract you from your special day. We’ll help you navigate financial expectations with your partner, pre-nuptial agreements with a licensed matrimonial attorney, as well as new strategies and opportunities your joint income may present.
Debt Management
Debt stinks. Tackling it head on with the right strategy, rather than ignoring it, can allow you to get this weight off your shoulders more efficiently. Strategies discussed will include, but are not limited to, procedures for repayment, consolidation, and other financing options available to you. Additionally, we may provide recommendations on where to save money to facilitate debt repayment.