Creating synergies within all areas of your financial life.
PFS 360° Financial Plan
This is the "no stone left unturned" analysis of your financial life. Our comprehensive financial plan reviews multiple aspects of your current finances and your financial goals. The goal is for you to feel more confident about your financial decision-making, save more money and feel better about your progress in saving toward financial goals. This package benefits people at all income levels and at any stage of their lives.
The plan includes, but is not limited to:
Long-Term Spending
- 20yr-30yr cash flow projection, which includes income projections and tax estimates.
Education Funding
- Tax-efficient, long-term strategies for paying for college education.
Investments
- Identification of time horizon for investments.
- Recommendation of an asset allocation to match risk, time horizon, and other parameters.
Retirement
- Review employment-related benefits, qualified plan contributions, and other tax-deferral arrangements. Recommend ways to maximize benefits.
- Estimate Social Security benefits, and recommend Social Security start date and strategies.
- Consider healthcare and long-term care in retirement.
Income Tax
- Tax minimization and deferral strategies, including tax efficient investments and contributions to IRAs, qualified retirement plans, and college savings programs.
Insurance
- Analyze current insurance policies.
- Recommend types and amounts of coverage for property & casualty, health, major medical, excess liability, disability, life insurance, and long-term care coverage.
- Provide referrals to insurance professionals, as needed.
Estate Planning
- Review of current wills, trusts, powers of attorney, and related documents. Recommendation of new or updated documents.
- Analyze beneficiary designations and proper titling of assets.
- Discuss desired gifting strategies.
This package encompasses the PFS 360° methodology. It is the cornerstone to your “Financial Roadmap.” This package includes multiple stages of preparation of your plan as well as 2 meetings with us. Upon completion, you will have access to the digital version of the plan and we will provide you with a one-page summary of our recommendations.
Starting at $5,000
SITUATIONAL FINANCIAL PLAN
We acknowledge that a full comprehensive plan may not be necessary for everyone. One approach involves assisting clients in reaching their goals through situational planning, focusing on one or two specific modules. Our objective is to achieve clarity regarding client goals, purpose, and aspirations. In essence, our aim is to understand precisely what our clients seek to accomplish with their financial resources.
The plan includes up to two of the modules listed below, but is not limited to:
- Long-Term Spending
- Education Funding
- Investments
- Retirement
- Income Tax
- Insurance
- Estate Planning
This package encompasses the PFS 360° methodology. It is the cornerstone to your “Financial Roadmap.” This package includes multiple stages of preparation of your plan as well as two meetings with us. Upon completion, you will have access to the digital version of the plan and we will provide you with a one-page summary of our recommendations.
Starting at $2,500