PFS Comprehensive Financial Plan

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

• Lifetime 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.” 

Starting at $1,600