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Client Financial Strategies Vs Financial Plan

We offer a financial game plan or financial strategies to all of our clients who have assets invested with us.  However if someone wants a written retirement plan or financial plan that details the math on a granular level to support a recommendation, then we charge a fee for this type of service.  See below for details regarding our fee based financial planning services.

Fee Based Planning Services

When it comes to planning your household finances, it's important to work with a financial planner who is an expert in their field.  Nick is a Certified Financial Planner and is constantly working to stay on top of all of the new financial concepts that come out each year. He has over a decade of experience creating, implementing and monitoring financial plans.  He has also worked in the insurance and the wire house side of the business and therefore has a well rounded knowledge of effective solutions for his clients. 

Nick’s financial planning session is designed to review your current situation and help you make smart decisions to reach your most important financial goals. He covers a lot of ground in a short period of time—A planning session typically lasts from 60 to 90 minutes. Following your meeting, you will receive a written action plan that will serve as a checklist to help you get on the right track to a healthy financial future.

Common questions addressed in our meeting:

  • When can I retire, and how much can I retire on?
  • How much should I be saving for retirement, and how should I invest this money?
  • How should we save for our children’s college and how much will it cost?
  • In what types of accounts should I be putting my money?
  • How should my investments be allocated?
  • How much Life Insurance, disability, long term care, home and auto insurance do I need?
  • Should I buy or rent a home? 
  • Should I pay extra on my mortgage?
  • How do I best get out of debt?
  • How much should I have in my cash reserve and how to best budget?
  • and much more..

Ongoing Advice

Financial planning is a process, not a one-time event. Your initial financial plan is designed to serve as a baseline to get you going in the right direction. As life “happens,” your financial situation will change and new questions will surely arise. Nick hopes to have a long term relationship and will be here for you well beyond our initial engagement.

Retirement Plan

This type of plan is for clients who are mainly focused on retirement.  This plan will show a client when they can retire, how much they can retire on, and what they can do to improve their retirement.  There is a lower commitment of time and money for this type of planning.  this level of planning includes:

  • Retirement Plan
  • Investment Plan 

This planning level provides access to the investor's personal website.  The cost for a retirement plan starts at $1,500/year, however we offer this service free of charge for clients who have over $1,000,000 in assets under management with our firm.  

Financial Plan

This type of planning is for clients who want a professional to take a comprehensive look into their financial situation and goals.  It is important to evaluate your situation on an annual basis to make sure you stay on track and stay as efficient as possible with your resources.  This planning level includes everything that the retirement plan entails but it also includes:

  • Cash Flow Planning
  • Debt Management
  • College Planning
  • Investment Planning
  • Insurance Planning
  • Retirement Planning
  • General Income Tax Planning
  • General Estate Planning

These clients in addition to full access to the investor's personal website, also get Nick's Financial Binders system to help manage their finances and organizing their financial life.  The cost of this planning service starts at $2,500/year, however we offer this service free of charge for clients who have over $2,000,000 in assets under administration with our firm.  

Getting Started

If you're ready to simplify your financial life.  Let us help you get a plan in place and be your partner on this financial journey for the rest of your life.  Click the link below to get started on the financial/retirement planning process.

Interested In Connecting With Us But You Don't Live In The Sacramento Area?

Not a problem!  With the help of Citrix GoToMeeting we can hold live meetings via the phone, computer, or tablet from anywhere in the world.  My long distance clients and clients who travel a lot love the ease of working with me from all over the globe.  We can also take care of other logistics like paperwork via email, mail or fax.  Click here to see how easy it is to partner with us using these tools. 

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