Simple+ Financial Planning and Wealth Management
Keep It Simple Financial Planning offers comprehensive, fee-only financial advice. As Certified Financial Planners™ we also bring the technical expertise, education, experience, and ethics requirements clients are looking for to help them achieve their goals, lower their taxes, and optimize their income and investment returns. You can be assured that our financial planning method has been tried, tested, and refined. Our system of planning addresses the real-life needs of people just like you.
Simple+ Financial Planning and Wealth Management service is our premier comprehensive financial advice and investment management solution that gives you a holistic view of your financial life. We will be there with you throughout your financial journey to give you confidence you are making educated financial decisions with a partner in your corner. This service involves working one-on-one with a planner over an extended period of time to help you optimize all areas of your financial life.
By paying an annual retainer or asset management fee, you receive continuous access to a planner who will work with you to design your customized financial plan or implement your plan that started as a Keep It Simple Financial Plan project. If investment management services are being provided, your personal advisor will determine a target portfolio allocation between various asset classes (such as equities and fixed income) that is designed to be consistent with your investment objectives. We will monitor your account, help you with tax optimization, and be available to discuss any changes to your personal or financial situation that may need to be responded to.
What to Expect
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No Product Sales
We don’t sell any financial products nor do we receive any commissions. We are fiduciaries. Our complete focus is on what is best for you.
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Value for Your Money
We are committed to providing value that exceeds our fee.
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All-Inclusive Approach
Together we design an all-encompassing strategy that takes into account every aspect of your finances.
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Unlimited Access
With your annual fee, you can meet or speak to us as often as is necessary to help you make important decisions and accomplish your financial goals.
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Goal Setting
Understanding what is important to you is essential when structuring your finances. We work through exercises with you to identify and create plans to achieve your goals.
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Risk Management-Are You Over/Under Insured
Insurance. There are multiple options for any type of situation and the task of deciding what to choose can be daunting. We will discuss these issues in detail and help you spend your insurance dollars wisely.
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Coordinated Investment Advice
We will provide you with the objective, unbiased investment recommendations that are based on your personal needs so that you can make the best investment decisions.
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Lifestyle Spending Review
We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and, if needed, help you gain control over your spending.
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Skillful Tax Planning
Taxes are at the core of financial planning. We review all potential tax consequences that can impact your financial security throughout the year.
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Proactive Estate Planning
Estate planning goes well beyond making a will. We will evaluate with you the pertinent estate issues that impact your life and consider choices that you can then implement with your attorney.
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Worry-Free Retirement Planning
Retirement is about money; but it’s more about personal fulfillment and enjoyment. We will help you create a plan to make the most of your retirement years.
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Open-Door Policy
Financial planning is a process, not an event and we are here for you when you need us. Our open-retainer approach accommodates regular ongoing reviews of key financial areas, with access, or an open door, to the advisor when needed.