Holistic Financial Planning - My Approach

First, you get a holistic package of services.

Typically you go to a stockbroker for investment advice, an insurance agent to buy insurance, an attorney for estate planning and an accountant for tax preparation.  Each may provide advice in their area of specialty, but who oversees the entire package to ensure all the pieces fit together well? Often you receive conflicting and confusing advice.

The truth is each piece of your financial planning scenario contributes to the whole. A change in one piece affects the other. A change in investments can affect your taxes, which will then affect your cash flow.  And an increase in cash flow will open exciting new opportunities for savings, more investments, or even more time to do the things you like.

Second, we focus holistically on your goals

We work with all areas of your financial life. You plan major life events that include buying a new car, home, saving for your child’s education, preparing for retirement, estate planning and preparing your taxes. These events don't happen in isolation. Typically you plan for your child's college years while making decisions about cars, houses and vacations. So when we create a plan, we consider how all your financial goals support each other. Often the whole will be greater (and more exciting) than the sum of the parts.

You will get your own personal adviser to the world of money

Whenever you have a question about money we are there to protect your interests.  As a FEE-ONLY Advisor, we do NOT sell investment products or receive commissions on the investments we recommend.  Instead, you pay an annual retainer for our objective advice so we are not influenced by commissions or sales quotas. I work with you and explain everything I do. You do not turn everything over to me and follow blindly.

We offer customized financial solutions

We've created a system that will take you from wherever you are, all the way to financial freedom.  During the first year, we'll work together to organize any and all areas in your life that are affected by money.  At the end of the year, for the first time ever, you'll feel the comfort that all of your finances are in order and you're on your way to achieving whatever lifestyle you want.

We provide long-term perspective

Financial planning is a lifelong process, not a one time event.  Following the first year we'll fine tune and adjust things as your life and plans inevitably change.  We will look down the road five, ten or twenty years so that when that time comes, you're living the way you want, instead of waiting to see what will happen.

We work with integrity

My business was designed to put my clients' interests first.  Unlike working with an adviser that sells  products, you will never have to worry if my advice is in your best interest. This is a critically important question to ask yourself; when was the last time you received financial advice from someone that wasn't trying to sell you something?

Why My Service Is Unique

When you work with me, you gain the benefits of a process I have developed that delivers results. We have a series of meetings, each with a purpose and a set of outcomes. Each meeting has been deigned to cover specific areas of your financial reality. We work in a specific sequence to be sure all pieces of your own financial puzzle fit together. With this system, we move quickly, so you begin achieving your goals faster and more easily than most clients anticipate.

If you would like to get started today, call 805 722-2942 and we will set up an appointment.

If you want to discover how you will benefit by working with us click here.