At Together Planning, our mission is to help people worry less and enjoy their life more. Most individuals and families that come to us choose to have us help them with financial planning and investment management services together, on an ongoing basis. We call this Integrated Financial Planning and Investment Management.
Integrated financial planning includes cash flow and retirement planning, full service investment management, insurance planning, tax planning, and estate planning. We spend time getting to know you and what you hope to be able to do during your working years and once work becomes optional. We gather information about what you have accumulated so far, how you are invested, how much excess cash flow you have, how much longer you plan to work, and what other sources of income you will have in retirement.
Then, we make recommendations for every area of your financial life:
- Cash flow and retirement planning, including a strategy for claiming social security, pensions, and help coordinate other income sources you may have.
- Help select the types of accounts to use for accumulating your retirement next egg, and which accounts to draw from first during your retirement phase
- Full service investment management, including all the paperwork, implementation of investment strategies, tax-loss harvesting, trades, rebalancing, and money movement between accounts
- Insurance review and recommendations, including working with your insurance advisors to make sure you have the coverage you need. We help you adjust your current coverages when needed, and help you shop and apply for new coverages.
- Estate planning review and recommendations, including working with your attorney to make sure your estate plan is designed to meet your needs and that all your assets are titled appropriately and that the correct beneficiaries are named
- Strategic and ongoing tax planning in partnership with your tax preparer. We help you gather the information you need to get your tax return completed at the beginning of each year, coordinate a long-term tax planning strategy for the current and future years at each year’s financial plan review using our planning software, and coordinate year-end tax analysis to help you implement tax-advantaged planning choices each year.
When you work with us for Integrated Financial Planning and Investment Management, the clock is not ticking. This allows you to take your time when thinking about your financial planning and not be hesitant to ask more questions. Because Integrated Financial Planning and Investment Management allows us the most time with clients, we can go very deep with all topics and have the greatest ability to help you worry less and enjoy your life more.
