Introduction Meeting

 

We will meet in person or speak on the phone to give you an opportunity to see how we work and to get to know one another.  At this meeting we will begin to discuss your financial goals and to help determine if our firm’s philosophy and services match you and your planning needs.

Comprehensive Financial Plans may address a number of concerns, including the following:

• Retirement Planning
  • Retirement Income Needed
  • Pension Election Options Evaluation
  • Timing of Retirement
  • How to help Maximize Social Security Retirement Benefits
• Cash Flow Management
• Investment Planning and Asset Allocation
• Risk Management
  • Survivor, Disability and Long-Term Care Planning
• Education Planning
• Estate Planning
• Wealth Transfer / Legacy Planning
• Special Needs Planning
• Income Tax Planning
• Charitable Giving
• Business Planning
  • Succession Planning
  • Executive Benefits Planning

 

 

Analysis

 

If it is mutually determined that Planning Matters LLC may be the right firm for you, we will perform a thorough analysis of your financial picture by gathering financial information and documents to be reviewed confidentially.  See our comprehensive “Fact Finder” and our “Document Checklist”.  We will use the information obtained to build your comprehensive, written financial plan.  Your plan is developed in a totally unbiased atmosphere where the only factor in the decision-making process is what is best for you.

 

 

Plan Review Meeting

 

We will discuss your completed financial plan, reviewing it for accuracy and addressing each area of concern to you.  Your plan may model different "What If" scenarios so that you can see how several options or choices you may have to make may impact you financially.

 

 

Implementation

 

Upon completion of the plan review, we may provide specific product and/ or service recommendations to you to help you to implement your plan.  A detailed, prioritized action item list may be developed to assist you in implementing your plan.  Our goal is to ensure that you have seamless service to take action and do what your plan suggests you do so that you can increase the odds of achieving your goals and living the life you want to live, whatever stage of life you are in.

While we have a full breadth of services and products that we may recommend to our clients, we are a completely independent firm with no ties to any one investment company, money manager, insurance company, or service that may be appropriate for our clients.

Products offered to help you Implement your Plan may include:

• Investments
  • Managed Investment Accounts
  • 403(b)
  • 457(b)
  • IRAs (Traditional and Roth)
  • Fixed and Variable Annuities
  • Mutual Funds
  • Employer-Sponsored Retirement Plans
• Insurances
  • Life
  • Disability
  • Long-Term Care
  • Group/ Voluntary Insurance Lines Available including Short-Term Disability, Medical/ Health, Medicare Supplements, and Dental

 

 

New Client Services

 

We will walk you through viewing your accounts on-line, acclimating to new statements and reports, and setting up paperless delivery of statements if desired.  Financial planning clients have available to them a Personal Financial Website.

 

 

Update/ Review Meetings

 

Acknowledging the fact that one constant in life is change, as time passes and factors or plans change that impact our clients financially, an update plan can be done.  Many implemented strategies may require that we meet annually or more frequently to review and monitor progress.  Whatever schedule for checkups or review meetings is established will be followed so that we help keep you moving forward through each stage of your financial plan.