Individual Goal Planning

Focused Advice for a Specific Financial Decision

Not every financial question requires an ongoing financial planning relationship.

Sometimes you need professional advice concerning one goal, one decision, or one area of your financial life.

Individual Goal Planning is an hourly service for individuals, families, businesses, and other groups seeking focused financial guidance.

Planning Built Around Your Question

The engagement begins by identifying the specific issue you would like to address.

We then gather the information needed to evaluate the situation, discuss the available options, and provide recommendations based on your stated goals and circumstances.

Examples of Individual Planning Projects

Individual Goal Planning may address questions involving:

• ▸Retirement readiness
• ▸Retirement-income planning
• ▸Social Security timing
• ▸Investment allocation
• ▸Pension decisions
• ▸Employee benefits
• ▸Cash-flow planning
• ▸Debt management
• ▸Student-loan repayment
• ▸College planning
• ▸Insurance needs
• ▸Tax-planning considerations
• ▸Estate-planning considerations
• ▸Evaluation of a major purchase
• ▸Career or employment transitions
• ▸A specific financial opportunity or concern

What to Expect

Depending on the scope of the engagement, the process may include:

• ▸An initial discussion to define the planning question
• ▸Collection and review of relevant financial information
• ▸Analysis of available strategies
• ▸A planning meeting to discuss findings and recommendations
• ▸Written observations or action steps, when appropriate
• ▸Limited implementation assistance within the agreed scope

Before beginning the engagement, we will discuss the expected scope of the project and provide an estimate of the time likely to be required.

Who This Service Is Designed For

Individual Goal Planning may be appropriate when you:

• ▸Have one clearly defined financial question
• ▸Need a second opinion before making a major decision
• ▸Do not need an ongoing planning relationship
• ▸Want advice that is not tied to the sale of a financial product
• ▸Need help evaluating several possible courses of action
• ▸Prefer to pay only for the time required to address a particular issue