Our Services
ONGOING PLANNING FOR YOUNG PROFESSIONALS
Are you thinking to yourself, “We should be further along!”? This is the service for you. As busy professionals we say to ourselves, we need to sit down and figure this out. But, it never seems to happen.
From starting a new job, to saving for a new home, to thinking about starting a family- we understand that life is an ever-changing adventure. But with that adventure comes a lot of decisions, and we don’t feel you need to make those decisions alone.
That’s where our Ongoing Financial Planning comes in. With Ongoing Financial Planning you will not only be provided with a plan that establishes a pathway to accomplish your current goals, but you’ll also have the ability to maintain and adapt that plan as inevitable life -changes and -events occur.
By meeting with us (in-person or virtually) each quarter, as well as having us on-call anytime a new goal or question arises, you can be confident that we will have you on the right track and living your best life possible.
- Some Area’s We’ll Cover Include:
- Budgeting and Cash Flow Assessment
- Lifestyle Planning: Travel, Buying a Home, College Funding, etc.
- Student Loan and Debt Management
- Retirement Planning
- Investment Portfolio Design
- Benefits and Insurance Analysis
- Tax Planning
- Estate Planning Strategies
- Financial Behavioral Coaching
- Cost: $195 per month, Paid quarterly; 1-year commitment required
COMPREHENSIVE RETIREMENT PLANNING
- Retirement Income Projections/Planning
- Social Security Strategies
- Investment Review and Recommendations
- Tax Planning
- Pension Planning
- Cost: $2500-$3500 depending upon complexity/ Firm quote will be given at complimentary Get-Acquainted meeting
ONGOING INVESTMENT MANAGEMENT
- Implementation of your optimal Asset Allocation
- Unlimited complimentary access to your financial planner who will answer your calls, questions and emails, gladly imparting financial wisdom, bouncing ideas or doing research to help handle any financial situations that come up during the year.
- Coordinating all the paperwork necessary to help you open accounts, create systematic deposit/withdrawals and transfer accounts, directly working on your behalf with the brokerage firm to make sure this process goes smoothly.
- Determining the cost basis of taxable accounts and keeping track of this cost basis moving forward, as well as taxable gains and losses.
- Yearly review and rebalancing of your investment portfolio, if necessary to keep your account in line with your financial plan.
- Maximizing tax loss harvesting opportunities if they should arise,
- Discipline. Good old-fashioned encouragement and reassurance that the plan we worked so hard to put together is on track, despite current fads being blasted by the financial media.
- Cost: 0.75% of assets. We never receive commissions or incentives from any company, enabling us to remain truly independent.
Tim Massie, CFP and
Fee-Only Financial Planner
Owen Granger, Associate Planner
Nick Massie, Paraplanner
COMMON QUESTIONS WE ANSWER
- Do I have enough money to retire?
- Will I run out of money while in retirement?
- What are topics and other areas that I might not be aware of or that I should know about going into retirement?
- How should my portfolio look going into retirement compared to when I was saving for retirement?
- Which pension option should I take?
- When should I take Social Security?
- Is my money invested correctly?
- Do I need long term care insurance? How much does it cost?
