Comprehensive Financial Life Planning
The broad offering of a comprehensive Financial Life Plan is customized to the needs of each client. Engagements are based on our standard $150 hourly rate and range from approximately $900 to $3,600 depending on the complexities of your financial situation. A plan typically includes the following:

• Coaching in defining your financial and estate planning objectives within the context of your life goals.
  
• Reviewing and planning your insurance and risk management strategy.
  
• Analyzing the advantages and disadvantages of various employee benefit options available to you.
  
• Mentoring you on effective cash management and budgeting techniques that lead toward reduced debt burdens and increased cash flow directed toward your life goals.
  
• Identifying tax planning strategies and efficient ways to acquire, grow, preserve and transfer wealth both during life, and after.
  
• Evaluating your investment strategy and asset allocation within the context of your tolerance for risk and financial goals.
  
• Developing an investment policy statement or a set of guidelines for your portfolio construction and/or ongoing management.
  
• Developing a customized retirement plan that integrates all aspects of your financial life and legacy planning for the achievement of financial independence.
  

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Retirement Funds Stress Test | $300 - 2 hours of Coaching
Answers the question: “What are the chances that I might outlive my retirement funds now that I am in retirement?”

• Update your assessment of tolerance for risk and longevity projections.
  
• Analyze your current asset diversification and withdrawal rate.
  
• Determine the probability of your money outliving your needs.
  
• Recommend options to increase your probability of success.
• Document recommendations and action plan.
  

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Debt and Budget Workout | $450 - 3 hours of Coaching
Answers the question: “How can I stop living paycheck to paycheck, save for an emergency and increase my credit score?”

• Understand your current money beliefs, behaviors and spending patterns.
  
• Educate you on cash management and debt reduction strategies.
  
• Recommend specific steps for you to take.
  
• Document recommendations and action plan.
  

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Retirement Health Check | $600 - 4 hours of Coaching
Answers the question: “Am I on track toward meeting my retirement goals?”

• Understand your retirement goals and objectives — both financially and emotionally.
  
• Design your retirement lifestyle.
  
• Assess your tolerance for risk and longevity projections.
  
• Analyze your current asset allocation and rate of accumulation.
  
• Identify, analyze and integrate all sources of retirement funds available.
  
• Establish a baseline and determine your probability of success.
  
• Recommend alternatives to increase your probability of success.
  
• Document recommendations and action plan.
  

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Sunset Care Planning | $600 - 4 hours of Coaching
Answers the question: “How will the potential need for long-term care impact my family, personal and financial goals?”

• Educate you about long-term care.
  
• Evaluate the effectiveness of family, welfare, personal assets and long-term care insurance to provide for long-term care.
  
• Assess the impact of each alternative on the family, your legacy wishes and life goals.
  
• Recommend the best options and develop a plan.
  
• Document recommendations and action plan.
  

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Financial Fitness Checkup | $900 - 6 hours of Coaching
Addresses the issue of: “My current plan is out-of-date and it needs a check up.”

• This offering is specifically designed for new clients to The Wealth Fitness Group who would like to update a plan previously prepared by someone else within the past five years.
  

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Please note:
In those areas where we feel you would be best served by a specialist — for example an estate attorney to draft estate documents or CPA for tax preparation — we limit our role in the planning process to informing and educating you about the need for inclusion of such items in your plan.

Value to Client

Our Approach