How We Can Move Forward?
All Inclusive Financial Planning is a process not a product. We listen to your goals and dreams. Then we partner with you through each stage of life to keep you moving forward to achieve those goals and dreams.
We do not sell products to earn commissions. The only fee we receive is the fee you pay us for our advice. This is called fee-only financial planning and we believe it helps limit conflicts of interest.
We are a fiduciary which is important for you to understand. This means we are bound to serve you and put your interests first in our relationship.
What We Offer
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Organization & Simplicity
If you do not know what you have, how can you know your financial status? We show you how to pull together all the important pieces of your financial puzzle and provide a place for you to store it digitally. You will see your financial life all in one place, and together we will monitor your forward progress.
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Cash Flow Strategies
First, we determine your net worth so we can begin to monitor this important data set and have a basis to see the progress you will make. Next, we analyze and discuss your spending habits in light of your goals and see if any adjustments are needed.
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Investment Management
Your portfolio’s asset allocation will be based on your life goals and risk profile. We monitor that portfolio to make sure it stays aligned with your objectives, rebalancing as needed.
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Tax Planning
As permissible by the tax code, we examine ways to minimize your taxes and help communicate those to your tax preparer. We want you to keep as much of your income as possible.
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Financial Independence
When will I be financially able to reduce my work hours or retire? We help you determine that timeframe and show you how to save toward that goal. Then we withdraw funds from your accounts to replace income while minimizing taxation and continuing to grow your wealth.
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Risk Management
We review your risk profile and exposures, including life, disability, home, auto, health, liability, and long term care. We then assist you in finding an insurance professional as needed.
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Education Planning
Planning for your child’s education funding is emotional and daunting. We will explore options and develop a funding plan. We will assist you in eliminating student debt as strategically as possible.
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Estate Planning
From advanced directives to wills and trusts, we assist you in finding an estate planning professional to develop or review your documents to meet your legacy wishes. We also assist in planning for charitable giving and other bequests in a tax advantaged way.
What Can I Expect?
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Should We Move Forward Meeting
Are we are good fit? This is a 30 minute COMPLIMENTARY virtual meeting.
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First Step Forward Meeting
What are your life goals, concerns, and desires? This is a 60-90 minute virtual meeting.
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Forward Organizing Meeting
Simplify and organize your financial information. This is typically one or two virtual meetings.
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Your Plan Forward Meetings
The next series of meetings will be based on your needs and your situation’s complexity. We will cover net worth, spending habits, investment management, risk assessment, job benefits, estate planning, college funding, tax planning, and financial independence projections. Depending on your situation's complexity, becoming a new client with Forward Financial will probably take about 2 to 6 months of virtual meetings covering all areas of your financial life.
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Ongoing Forward Progress Meetings
What's happening? We meet at least semiannually to ensure your financial plan stays up to date with your life.
Fees
- Minimum annual fee is $4,000
- All Inclusive Financial Planning and Investment Management included
- Fees paid quarterly
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