Financial Planning

Financial Planning

Connecting Families with Trusted Financial Planning Professionals

Financial planning is one of the most critical aspects of securing your family’s future, yet finding the right professional can be overwhelming. We specialize in connecting individuals and families with qualified, vetted financial planning specialists who can help you build a comprehensive strategy for your financial goals.

What is Financial Planning?

Financial planning is a comprehensive approach to managing your money that involves analyzing your current financial situation, setting realistic goals, and creating a roadmap to achieve those objectives. A qualified financial planner helps you coordinate various aspects of your financial life, including:

  • Retirement planningand savings strategies
  • Investment managementand portfolio optimization
  • Tax planningand optimization strategies
  • Estate planningand wealth transfer
  • Insurance planningand risk management
  • Education fundingstrategies
  • Debt managementand elimination plans

Unlike working with a single-product advisor, comprehensive financial planning takes a holistic view of your entire financial picture to ensure all elements work together effectively.

Why Financial Planning Matters?

The statistics surrounding Americans’ financial preparedness are concerning, making professional guidance more crucial than ever:

  • 64% of Americansaren’t prepared for retirement, according to recent studies
  • $1.7 millionis the average amount needed for a comfortable retirement
  • Only 53%of Americans have a written financial plan
  • 78% of Americanslive paycheck to paycheck
  • $6,194is the average credit card debt per household

Without proper financial planning, families often face:

  • Insufficient retirement savings
  • Inadequate emergency funds
  • Poor investment diversification
  • Unnecessary tax burdens
  • Inadequate insurance coverage
  • Lack of estate planning protection

Common Financial Planning Services

The financial planning specialists we connect you with typically offer comprehensive services across multiple areas:

Retirement Planning

  • 401(k) and IRA optimization
  • Social Security maximization strategies
  • Pension analysis and planning
  • Retirement income distribution strategies

    • Investment Management

  • Portfolio construction and asset allocation
  • Risk assessment and management
  • Rebalancing and performance monitoring
  • Tax-efficient investing strategies

    • Tax Planning

  • Tax-loss harvesting
  • Roth conversion strategies
  • Charitable giving optimization
  • Business tax planning

    • Estate Planning

  • Will and trust strategies
  • Beneficiary designations
  • Estate tax minimization
  • Legacy planning

    • What Does Financial Planning Cost?

    Financial planning fees vary based on the complexity of your situation and the advisor’s service model. Here are typical fee structures you can expect:

    Service TypeFee StructureTypical Range
    Comprehensive Financial Plan

    One-time fee

    $1,500 – $5,000

    Assets Under Management (AUM)

    Annual percentage

    0.75% – 1.5%

    Hourly Consultation

    Per hour

    $200 – $500

    Ongoing Planning Retainer

    Monthly/Quarterly

    $200 – $800/month

    Project-Based Planning

    Flat fee

    $2,500 – $7,500

    Note: Many advisors offer different fee structures or combinations. The specialists we refer often provide initial consultations at no cost to discuss your needs and their approach.

    How to Choose the Right Financial Planner?

    Selecting the right financial planning professional is crucial to your success. Key qualifications and considerations include:

    Professional Credentials
    • CFP® (Certified Financial Planner)- The gold standard for comprehensive planning
    • ChFC (Chartered Financial Consultant)- Advanced planning designation
    • CFA (Chartered Financial Analyst)- Investment management expertise
    • CPA/PFS (Personal Financial Specialist) - Tax and financial planning combination
    Fiduciary Standard

    Ensure your advisor operates under a fiduciary standard, meaning they're legally obligated to act in your best interest at all times.

    Experience and Specialization
    • Years of experience in financial planning
    • Specialization in your specific needs (retirement, business owners, etc.)
    • Client testimonials and references
    • Regulatory history and compliance record

    Our Referral Process

    We make finding the right financial planning professional simple and stress-free:

    Initial Consultation
    We discuss your financial goals, current situation, and specific planning needs to understand what type of specialist would be the best fit.
    Advisor Matching
    Based on your requirements, we identify 2-3 qualified financial planning professionals from our vetted network who specialize in your area of need and fee preference.
    Introduction & Interviews
    We facilitate introductions and help coordinate initial consultations so you can interview potential advisors and make an informed decision.
    Ongoing Support
    We provide guidance throughout the selection process and remain available to address any questions or concerns about your advisor relationship.

    How We Help

    Our specialized referral service provides unique value in navigating the financial planning landscape:

    Advisor Matching
    We maintain relationships with qualified financial planning professionals across different specializations, fee structures, and geographic areas. Our screening process ensures you're connected only with credentialed, reputable advisors who match your specific needs.
    Cost Guidance
    We help you understand typical fee structures and ensure you're getting fair value for financial planning services. We can also identify advisors who work within your budget constraints.
    Expert Recommendations
    Our team stays current with industry trends, regulatory changes, and best practices to provide informed recommendations about financial planning professionals and services.
    Objective Advocacy
    Since we don't sell financial products or receive commissions from advisors, our recommendations are based solely on finding the best fit for your unique situation.

    Ready to Connect with a Financial Planning Professional?

    Don’t let uncertainty about your financial future keep you from taking action. Our referral service makes it easy to find qualified, trustworthy financial planning professionals who can help secure your family’s financial well-being.

    Call us today at 866-828-9855

    Or contact us online to schedule a complimentary consultation

    Let us help you take the first step toward comprehensive financial planning and peace of mind.