FINANCIAL PLANNING SERVICES

For those who do not have investment assets, or who need specific financial planning without investment management, we can tailor a solution to meet your needs.

Financial Planning Options

–  Quick Start  –

–  Retirement Plan Consultation  –

–  Detailed Financial Plan  –

–  College Funding  –

QUICK START

This is ideal for anyone who needs some planning help but doesn’t know where to start, such as:

–  Young professionals just starting out
–  DIY individuals who want a second opinion or help getting pointed in the right direction
–  Young families with limited resources

Topics covered may include:

Prioritizing Goals
Investment Review
Savings Strategies
Employer Retirement Plan Review
Employer Benefit Review
Insurance Review

A Quick Start plan includes 3 hours of consultation with follow-up via email for 1 month. This is not a comprehensive plan; recommendations will be provided via email.

One time fee (paid in advance) $600

DETAILED FINANCIAL PLAN

Perfect for DIYers who want to know if they are on track, or families without a lot of assets to manage, but who want to get their financial house in order. This type of plan will focus on your primary financial goals and provide a road map for you to follow.

Every situation is unique. We will work together to create a plan focused on the planning areas most relevant to your needs. Most engagements require a series of meetings including an engagement or fact-finding meeting, a check in meeting to clarify details, a working meeting to review preliminary results, identify planning gaps, establish priorities and model possible scenarios followed by a final presentation to review recommendations, supporting financial reports and written action items and agree on next steps. We will provide you with your own secure, personal financial website to help you organize your financial life.

Potential Areas of Focus:

Identifying Current and Future Expenses
Cash Flow
Insurance Review and Needs Analysis
Employee Benefits
Retirement Plan Review
Investment Review
Retirement Planning
Income Planning Strategies
Social Security
Estate Planning
Long Term Care Planning
Tax Planning

$2,000 – $10,000 (one time fee varies depending on complexity)

Payable half at initial fact-finding meeting and half at time of plan delivery

RETIREMENT PLAN CONSULTATION

Do you need help understanding your employer sponsored retirement plan? These include 401(k), Roth 401(k), 401(a), 403(b), 457, TSP (Thrift Savings Plan), etc.

Are you a small business owner and have questions on what retirement plan options are available to you? What would be the best option for achieving your specific savings objectives? These include SEP IRA, SIMPLE IRA, Individual 401(k), etc.

We will work with you to determine your financial goals, time horizon, and risk tolerance. We review your available investment options and provide personalized recommendations on allocating and diversifying your portfolio. It’s important to coordinate and correlate the investments in your retirement plan, your spouse’s retirement plan (if applicable), and any other investment accounts that you may have. These should all be working together to take advantage of the best in class options available in each plan or account. This will ensure your entire investment portfolio is allocated appropriately.

We will help you develop a retirement savings plan, including a disciplined approach for increasing your contributions over time. Along the way, we will talk with you about other financial considerations affecting you and your family.

One time fee (paid in advance) $600

COLLEGE FUNDING

As the cost of higher education rises, parents are finding that planning for their children’s educational expenses is even more crucial. We help parents plan to be able to provide this great opportunity for their family.

This includes a review of current college costs at desired institutions including projected inflation factors and savings and investment strategies to accomplish your education funding goals. We will consider tax-advantaged savings plans, tax credits, financial aid, and loan options available to you. The planner will provide investment recommendations and funding order recommendations for children in or nearing college.

$300 – $600 one time upfront fee (depending on number of children)

Bob Nate and Mary Jo

Schedule a complimentary 15 minute call today.

Learn more about CIS Wealth and how to get started.

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