Financial Planning

You’ve probably got a wide range of short- and long-term money goals, from paying down debt to planning for retirement to building a college fund. This is where a financial plan can help. A good financial plan identifies your financial goals, organizes and prioritizes them, then outlines the steps you need to take to pursue them.

What Is a Financial Plan?

A financial plan is a comprehensive overview of your financial goals and the steps you need to take to prusue them. Since everyone’s financial situation is unique, every financial plan will look a bit different. However, almost all plans will include your financial and life goals, an analysis of the current state of your finances, projections of your future wealth and a road map to how you’ll pursue the goals you’ve set.

One of the purposes of your financial plan is to give you an idea of if you’re on track to meet your goals or if you need to make adjustments to your spending. Financial plans stretch over years, preparing you for the long term. Whether you’re looking at estate planning, savings planning or family planning, it should be in your financial plan. Through small steps, like having a monthly savings goal or investing your money, your financial plan can lead to much better preparation for your future.

The financial planning process


Creating and implementing a comprehensive financial plan generally involves working with financial professionals to:

  • Develop a clear picture of your current financial situation by reviewing your income, assets, and liabilities, and evaluating your insurance coverage, your investment portfolio, your tax exposure, and your estate plan
  • Establish and prioritize financial goals and time frames for achieving these goals
  • Implement strategies that address your current financial weaknesses and build on your financial strengths
  • Choose specific products and services that are tailored to help meet your financial objectives
  • Monitor your plan, making adjustments as your goals, time frames, or circumstances change

Brochure --- LPL Wealth Management for Financial Planning

Areas of Planning Analysis

Your financial planning and consulting discussions may contain at least one of the following areas of analysis.

Cash Flow / Budget Planning --- Deciding in advance how you will spend your money ensures you are making regular progress toward financial goal and keeps your plan on track. If you are dealing with debt and spending issues, we will help you set your priorities and gain control over your money.

Investment Planning (Asset Allocation) --- We can provide you with a comprehensive view of your asset allocation to help you plan your long-term goals.

Business Planning --- Receive professional advice on a variety of topics, including succession planning, entity planning, retirement plan evaluation, and cash management. We can provide helpful advice for navigating these areas.

Education Planning --- There are a variety of investment and saving vehicles specifically tailored for education that can help you work toward your funding goals, including 529 plans and Coverdell Education Saving Accounts. By starting a disciplined savings plan now, you will be in a position to address your child’s education needs in the future.

Estate Planning --- We can help beneficiaries set up estate accounts, determine date of death values, and handle asset transfer on behalf of beneficiaries. When your family is meeting the challenges that accompany the loss of a loved one, we can relieve your stress by assisting with your family’s financial matters.

Retirement Planning --- Retirement planning is the process of planning and managing your short-and long-term finances to address your financial dreams during both your working years and retired life. It involved analyzing your financial objectives, current financial position, and expected future cash flows to develop a comprehensive retirement roadmap. We can develop a plan tailored to your specific anticipated needs to help you to maintain your desired lifestyle during retirement.

Tax Planning --- For many investors, reducing tax liability is a crucial component of maximizing wealth. We can provide thoughtful tax planning recommendations to help position all elements of your financial plan to work together in a tax-efficient manner.

Risk Management Planning --- Risk can take many forms: illness, accident, liability, and natural disasters, to name a few. Failing to manage risk property can jeopardize your financial future. We’ll partner with you to make sure you have a financial plan that incorporates risk management solutions to prepare for life’s unknowns.

Planning and Consulting Program

Flat Fee Planning Services

Our advisors develop customized comprehensive financial planning report based on an assessment of the client's needs and financial situation. We charge flat fee based on annual financial planning service through the LPL Financial Registered Investment Advisor (RIA) using approved financial planning software.

Hourly Consulting Services

Hourly Consulting services enable our advisors to provide financial advice for their time. We charge an hourly rate for permitted financial planning services through LPL Financial Registered Investment Advisor (RIA). A written deliverable report is not required.


*Sample Planning Reports:


Our Interactive Planning Technology

Visualize the Impact of Every Recommendation

With Interactive Planning technology, we . We won't tell you how your decisions will affect your financial future, we'll show you.

Goal Planner 

Goal Planner 

 Interactive Goal-Based Planning.

Define goals and track your progress towards them.

Decision Center

Decision Center

Interactive Cash Flow Planning

Visualize the impact of goals and recommendations in real-time.

Distribution Center

Distribution Center

Interactive Estate Planning

Leave a lasting legacy to those most important to you.

eMoney Integration

eMoney Integration

We’ll then use the eMoney platform to integrate your financial plan into a robust personal financial website. Its powerful engine can generate comprehensive financial analytics --- calculating cash flow projections, modeling “what-if” scenarios, and generating alerts when adjustments may need to be made. You’ll have access to budget tools, reports, educational materials, and storage for personal documents in one convenient and secure location.

Our comprehensive security measures include password protection, Secure Socket Layer encryption, firewalls, intrusion detection, audits, inspections, and more. With each measure in place, you can be confident that your important information is safe and secure.

Create  Your Financial Plan 

Create  Your Financial Plan 

Create a financial plan to pursue your goals. eMoney helps us determine where you are today and where you want to go. This gives us the resources to create a road map that leads you to highest probability of reaching your goals. Once we understand your goals, we will develop a long term financial plan that can set you up for your future.

Getting Started

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