Financial Planning
DETAILS OF FINANCIAL PLANNING SERVICES
Access to Financial Planning Tools
As a member of the Envoy client family, you will have access to our web-based Financial Planning software, helping you to simplify and manage your entire financial life in one convenient location. We may also incorporate additional tools as needed for specialized planning services.
Financial Plan
A customized and co-created financial blueprint which may or may not include:
Financial Organization
A structured overview of all parts of your financial life, providing you with clarity and confidence.
Cash Flow Analysis
You’ll understand exactly where your money comes from, where it goes, and how best to direct your resources toward achieving goals.
Portfolio Review
Through a detailed review of your portfolio’s asset allocation, we’ll assess how it aligns with your goals and how it compares to your tolerance for risk. During this review, we will identify strengths, weaknesses, areas of concern, recommended changes (as appropriate), and provide a detailed set of portfolio recommendations
Insurance Policy Review
We will help you understand your financial risks, current coverage, and how best to protect your future. Areas of review include:
- Life Insurance
- Disability Income Insurance
- Long-Term Care Insurance
- Other insurances you may hold
College Planning
We’ll help you understand the true cost of college, uncover opportunities for financial aid and scholarships, and develop a plan to pay the bill without robbing retirement.
Student Loan Planning
If applicable, we will co-create a plan for reducing and paying off your student loan debt. We will review your federal and private student loans, and help you navigate your repayment options.
Employee Benefit Review
Based on your current situation, we will help you understand and elect the appropriate benefits available through your employer. Each year during your employer’s “Open Enrollment Period” or if you change jobs, we will be available to assist you with your elections to fit your needs.
College Planning
We’ll help you understand the true cost of college, uncover opportunities for financial aid and scholarships, and develop a plan to pay the bill without robbing retirement. box-empty
Student Loan Planning
If applicable, we will co-create a plan for reducing and paying off your student loan debt. We will review your federal and private student loans, and help you navigate your repayment options. box-empty
Retirement Income Planning
We explore and clarify your retirement-income goals and the options available to achieve them. Our team will create a comprehensive retirement income projection and chart your progress toward the retirement you envision.
Employer Retirement Plan Maximization:
Through an analysis of your investment and contribution options, you will know you are making the most of tax-favored savings options.
Social Security Planning
By claiming benefits strategically and at the right time, we will assist you in a selection that maximizes the benefits you are entitled to.
Student Loan Planning
If applicable, we will co-create a plan for reducing and paying off your student loan debt. We will review your federal and private student loans, and help you navigate your repayment options. box-empty
Tax Planning and Projections
Each year, we will provide a multi-year tax projection to identify tax-savings opportunities and discuss these with your tax professional as needed.
Estate Planning
As appropriate, we will meet with your estate planning attorney to assist with aligning your estate plan with your wealth-transfer goals. We will help you implement your estate plan with regard to your investment accounts under our management.
Business Planning
We will review your business legal structure, financials, goals, and succession plans. A trusted advisor to many business owners, we will lend our experience and expertise to helping you achieve your business planning goals.
Corporate Retirement Plan Optimization
We will review your business’ current retirement plan and provide guidance for proper plan design, fee reduction, and overall management.
Get Started
Ready to Take the Next Step?
If you're looking for a structured, research-driven approach to your financial life, I'd welcome the opportunity to talk. Let's start with a conversation about your goals.