Services Offered to Retainer Fee Clients
All clients on retainer get the following services:
- Preliminary discussion of client’s dreams, hopes, fears and expectations. Planning is impossible without knowing you and your goals.
- Questions or exercises about your money history, risk preferences, and money values.
- Comprehensive review of financial documents: investment statements, tax returns, wills and trusts, insurance policies, business and real estate onto investment strategies, retirement and goal planning, risk and insurance planning, tax planning and estate planning.
- Planning clients get one free tax return prepared each year (1040 and 540); we do this to keep in touch with our clients’ finances.
- Free consultations throughout the year and updates to the plan as your life changes; you have a family CFO, a CFP on call for great advice as needed! Additionally, we are eager to help develop the finances for those seeking independent living.
Mortgage or tax clients may need financial planner services, which may be purchased separately for set or hourly fees; retainer clients get these services as needed or requested.
Jump to the bottom to know why empathy enriches our fee-only planning at all stages.
Cash Flow and Debt
Rental versus ownership analysis.
Debt removal analysis and credit strategy.
Comparison of mortgages and refinancing analysis.
Month to month budgeting and financial coaching.
Business advice.
Rental real estate advice.
Estate Planning
Analysis of documents or lack of documents: wills, trusts, powers of attorney, DNRs, and more.
Gifting and CRT strategies to avoid income and estate taxes.
Trust strategies to avoid estate taxes.
Retirement and Goal Planning
Retirement needs analysis based on financial projections, Monte Carlo analysis, etc.
Goal planning analysis for college planning, weddings, major purchases, home ownership, and more.
Investment Planning
Analysis of investments in personal accounts or company retirement plans.
Risk analysis.
Portfolio recommendations.
Tax Preparation, Representation, and Planning
Tax return preparation: individual and trust returns.
Tax representation: correspondence, audits, payment plans, or Offers in Compromise
Tax planning for the end of the year or varied questions.
Insurance Analysis and Planning
Human life value analysis for life and disability insurance.
Auto, home, and umbrella policy needs analysis.
Business liability needs analysis.
Long term care needs analysis.
Life Planning from the Heart
The heart of my relationships would be missing in a purely technical presentation. All that I do includes:
A genuine effort to listen with utmost empathy.
Creative techniques to capture client’s heart values despite different styles of learning and expression.
Risk analysis of investments, taxes, disease, and death that gauges our fears and helps us cope.
Real understanding of family trees and networks of emotional relationships that define our lives and legacies. Drawings help here as much as wills and trusts.
Grasping the values that might make or break careers.
“Your work is going to fill a large part of your life, and the only way to be satisfied is to do what you believe is great work.” — Steve Jobs