Pre-retirement, retirement, mid-career or early career – what stage are you at? Just like spring cleaning, is it time to dust off the cobwebs on your financial plan and have a review?
In theory, planning sounds like a great idea. We all want to feel like we are in control and on track to achieve our goals. In reality, we are often too busy with work, kids, school, taxes, grandkids, volunteering, and enjoying our lives to spend much time thinking about it. Life is short, time is precious, and you have other priorities; however, without a plan any road will take you to your destination. It may not be where you want to go but you will get there nonetheless, so pack accordingly.
We suggest a little regular effort to make sure your destination is the one you want.
We think the best place to start is with your cash flow. Essentially, cash flow is the income that comes in every month, what expenses go out, and how to make this work for you. Next, we can take stock of your net worth – what you own (assets) and what you owe (liabilities). We then look at what you already have in place and review this to ensure it is suitable and coordinated with any work place benefit you may have. Finally, we review the entire package with you, make adjustments where necessary, and repeat the process as needed or life changes. For more information, check out our Six Step Planning Process.
We look forward to hearing from you and working with you to achieve your goals.