Helping You Solve Complex Financial Questions
Value & Benefits of Hiring a Financial Planner
Help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and review your progress
Insight from the outside to help you avoid emotionally driven decisions in important money matters
We will customize our services to your needs, thinking long-term to build an individualized service that is right for you.
We provide you with the necessary resources to facilitate your decisions, explaining the options and risks associated with each choice.
We work collaboratively with you to achieve your goals and offer complete transparency around our own costs and compensation.
Getting Started is Easy
Our initial consultation process is specifically designed to determine if we can help.
Financial Planning Process
Learn about your personal situation, explain our services, and disclose fully how we will be paid
Learn some background information about your past experiences with money and get a big picture view of what you hope to accomplish moving forward
Document Gathering and Data Integration
Gather all the necessary documents and critical information, integrate data with various platforms, and calendarize future meetings
We review your federal and state tax returns to determine if there are any strategies we can utilize to decrease your tax burden and figure out what your long-term tax rates are for the financial plan
We’ll create a centralized strategy for your investments that carefully considers all of your goals, risk factors, and return expectations
We calculate the ideal savings for your retirement and develop a realistic plan to achieve a financially successful retirement
Insurance, Education Needs, and Employee Benefits
Analysis and recommendations of optimal insurance | College Savings Plan (determination of annual savings, lump sums, and the ideal investment approach for each child) | Employee benefits review
We review your employer benefits and help you make the right choices based on your goals and alternatives
Practice some good financial hygiene to set yourself up for a more productive 2019, especially at tax time.
Financial Planning Pricing
Do It Yourself Financial Planning
College Funding Review
Most Popular Financial Plan
Everything in DIY
CFP® Scheduled Meetings
For Business Owners
Everything in Foundations
Advanced Tax Planning*
Advanced College Planning
- Wealth Habits works with a specialized tax accounting firm for tax preparation
- Estate planning will require coordination with your estate attorney. If you don’t have any, we can suggest a few options
- Our monthly budgeting system requires a subscription to a service that gives us read only access to your transactions (+$5/Mo)
- One-time engagements are also available – pricing depends on scope of project
Getting Started is
With the right information we can answer this question. For example, I will need to know your retirement goals and the assets you have to support those goals.
Yes, I signed the fiduciary oath (click to see it):
- Put the client’s best interests first
- Act with prudence; that is, with skill, care diligence and good judgment of a professional
- Do not mislead clients; provide conspicuous, full and fair disclosure of all important facts
- Avoid conflicts of interest; and fully disclose and fairly manage, in the client’s favor, unavoidable conflicts.
How to tell if your financial advisor looks out for you? Ask him/her to sign this document!
I can’t make any promises but if you contact me a couple of months before the December 31st, we can probably find, and implement a plan to reduce your tax liability.
Like everything complex, it depends… First we need to know your goals and translate them into financial numbers. One that is determined, we will review your risk tolerance and a few other things. After that, we create a portfolio that strives to maximize returns while minimizing potential losses.
Every fourth quarter, your company’s benefits department notifies you that it’s time to make your annual insurance benefit elections. There are a variety of plans out there with varying employee contributions required.
These increasingly complex plans can leave you unsure of how to navigate through your options. How do you know you are making the best decisions for you and your family?
What does disability insurance cover? Do I have enough? This really depends on your financial situation. We can help you answer this question
Sample Financial Plan
Thinking about hiring a financial planner? See our sample financial plan to help you understand what is it what we do at Wealth Habits.