“Life-Integrated Financial Planning...Helping You Fit the Pieces Together.”
You likely have several financial planning pieces in place-you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life. Is it any surprise then that you're unsure if you're on the right track and making all the progress you could be?
To be effective, financial planning needs to be coordinated. Each piece of the financial plan needs to accomplish its own specific tasks as well as support the tasks of each other piece. This is life-integrated financial planning. We'll look at your entire financial picture and help you fit the pieces together properly.
Through this comprehensive service, we help our clients with a wide range of financial issues:
- Portfolio review
- Goal setting
- Investment strategy and implementation
- Cash flow
- Insurance review
- Estate planning
- Tax planning and preparation
- Retirement planning
- Education funding
- Business planning
- Other individualized issues
Our full retainer clients pay one flat fee to work with us throughout an entire year. We'll meet several times throughout the year, systematically working through each of the pieces of your finances in a coordinated manner. And you can contact us or meet with us as much as you like to ask questions or get reassurance. Before long, and often right from the first meeting, you'll find a feeling of relief and peace of mind.
Want to learn more? Contact us to schedule a free consultation to see if this is right for you.
Case Study
Comprehensive Financial Planning Makes the Difference for Gene and Maria
Gene and Maria thought they had addressed all their major financial concerns. An attorney prepared their wills when their first child was born. A local insurance agent sold them auto, home, and whole life insurance policies. They managed their own investments using a discount broker, following the advice in top magazines along with occasional suggestions from Maria's stock-broker brother. They both contributed some to the retirement plan available through their employers and regularly set aside money for their children's education. They used the same CPA who had always prepared Gene's parents' tax returns and always received large tax refunds which they would use to make extra principal payments on their mortgage. But this year they ended up owing several thousand dollars in taxes and had to dip into their education fund to pay their tax bill. They decided it was time to hire a financial planner and were referred to a local Cambridge Advisor.
It was the first time someone had looked at their entire financial picture, and it was an eye-opener. While Gene and Maria had always received professional advice, no one had ever coordinated that advice, and many of their financial decisions that seemed wise were actually hurting them. No area of their finances was accomplishing what they wanted it to. Working with a Cambridge Advisor, Gene and Maria built a solid foundation for their financial future. After discussing their goals for their future, their fee-only Cambridge Advisor helped them to update their wills, decrease their tax burden, save money on their insurance premiums, and increase their savings for emergencies and retirement. And when they recently learned they were receiving an inheritance from Maria's grandparents, the first thing they did was call their Cambridge Advisor to schedule an appointment so that the money would be put to the best possible use. Their Cambridge retainer allows them to call any time their situation changes at no additional charge.
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