WHAT YOU DESERVE
You’ll no longer get a form in the mail and worry about understanding it. No more meetings with professionals using unfamiliar terms. No more wondering if you have done enough to protect your financial future.
Time to Recover
This is a traumatic time in your life. You may not feel like making decisions every day. You can take your time making the right decision. That way you can spend more time focusing on your well-being and less on remembering what to do next.
Once the chaos settles down (and it will), you still have help a phone call, email, or text away. You get “steering corrections” to your plan to keep it running smoothly. I’ll point out new opportunities and risks before you reach them.
A Clear Financial Game Plan
Your dreams and vision, broken down into understandable and achievable steps. You have an easier way to evaluate decisions on where to live, how you save, what you protect, and how you spend money.
Protect Yourself Now!
Get a free guide outlining the financial decisions to make now, what should wait, and how to avoid costly mistakes!
HOW DO WE GET THERE?
Prioritize Your Decisions
After you lose a spouse, you have a lot of decisions to make. We will combine your “brain dump” and my experience with the urgent issues. Many decisions can wait, but some will have deadlines. We’ll break these down into manageable tasks.
Take Care of Urgent Matters
Accounts may need to be re-titled or updated with new beneficiaries. Insurance and legal documents must be reviewed for needed changes. Attorneys and CPAs will help ensure the steps are properly followed. I will guide you through these decisions with clear explanations.
Design Your New Financial Normal
We will work together to develop a clear picture of your financial situation. Rarely does a new client have their finances in order! We will keep your options open until you’re ready to envision a new future. I will answer your questions until you feel financially confident.
Make it Happen
You don’t get a list of recommendations and a “good luck!” pat on the back. I will remain by your side making sure you know what to do and get it done. I will (caringly) hold you accountable to the promises you make to yourself.
Keep You on Track
I will help you track your progress toward your goals. When new financial decisions arise, we can easily play with “what if” scenarios to help you understand the impact of the decision. I will also proactively bring new ideas, approaches, and opportunities to your attention.
WHAT CAN YOU EXPECT?
Coordination with your attorney to ensure steps properly followed. Insurance proceeds and settlements handled. Beneficiaries updated and your new financial “normal” established.
Your financial options explained in plain English. All financial questions answered without condescension until you feel confident about where your money goes. Teaching, not telling.
A clearer picture of your financial situation (rarely does a new client have their finances in order). Easy to follow organizational systems for keeping on top of your financial life.
You get an accountability partner for the promises you make to yourself. You will not only know what to do but you also get it done. Work on needed financial actions before less urgent issues.
New ideas for reaching your financial goals will be brought to your attention instead of waiting for your call. Your plan will stay up to date with current research and evidence-based solutions.
You will see over time how much progress you have made toward your goals. Know the impact of financial decisions (playing “what if”). How to make adjustments if your plan begins to steer off-course.
Answers from a trusted expert when evaluating financial decisions. Work with someone familiar with you guide your understanding and interpretation of options.
Help avoiding the human nature of making emotional decisions. Understanding when the best action is no action at all. Guidance until these short-term but destructive feelings pass.
I have no issue if you feel more comfortable bringing a trusted family member or friend into our discussions. I am protective of my mom and I appreciate others feeling the same about loved ones.
SUBJECTS WE MIGHT COVER:
Use academically-supported investment techniques that do not rely on predictions;
Include high-quality, low cost investment and insurance products. Reduce any with excessive expenses;
Take the minimum amount of risk needed to keep your goals on track and reduce any unnecessary risks.
Match your guaranteed vs. non-guaranteed income to your needs and risk tolerance;
Take advantage of tax-saving opportunities when making withdrawals;
Ensure your spending levels match up with your future goals.
Analyze your home equity for extra retirement income without jeopardizing other goals;
Track your existing mortgage(s) for opportunities to refinance or pay down/off;
Review lines of credit and other liens for suitability and alternatives.
Provide a second opinion on any product pitches or high-pressure dinner seminars;
Keep trusted family members, CPAs, and attorneys updated as much as you wish;
Work with your lawyer to build legal protections to keep your financial details private.
Maximize your Social Security benefits, including those for ex-spouses and survivors;
Time your Social Security to reduce potential conflicts with your current income;
Assist with Social Security, Medicare, and Medicare Supplement (“Medigap”) applications.
Coordinate with your trusted tax professional to reduce your tax prep efforts;
Use tax code opportunities to reduce your future taxes (Roth conversions, etc.);
Manage your investments with tax reduction strategies like tax-loss harvesting.
Help protect you from unexpected medical expenses, long-term care, or other unforeseen events;
Track your existing policies to ensure they remain cost-efficient and needed;
Coordinate insurance benefits from employers with personally-owned policies to prevent overlap or gaps.
Coordinate your pension, 401(k), 403(b), and other benefits with your financial plan;
Identify weaknesses in employer-provided insurance coverage and assist with adding more when needed;
Review benefit changes and assist with annual open enrollment period decisions.
What should you ask a potential advisor to determine if they are a salesperson or if they work with your best interests at heart?
You may be surprised that some of my beliefs are not universal among advisers. What is my secret sauce? How do I charge my clients?
Interested in a free report helping you finish your advisor evaluation? Or would you like to get in touch and move forward?