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Comprehensive Financial Planning

Comprehensive Financial Planning is a holistic approach to financial planning that places importance on planning for and addressing all areas of your financial situation. Financial planning is a process that will help you reach your financial goals through the proper management of your financial affairs. You benefit from having a financial coach to guide you through understanding the areas of your financial affairs that need attention and assistance in making financial and life decisions. We work together on an on-going basis through the six steps of the financial planning process which are:

  • Establishing the relationship;

  • Gathering your information including your goals;
  • Analyzing and evaluating your current financial position;
  • Developing and presenting financial planning recommendations;
  • Implementing the financial planning recommendations, and;
  • Monitoring your plan

The six steps of the financial planning help you put into perspective where you are now, where you want to be in the future, and how to get there. It may be difficult however if you have never worked with a financial planner to fully comprehend the value that a financial planner can contribute to your life. There can often be an enormous gap between the value that financial planners deliver and the perception of the value we deliver before you go through the process. As such you may be wondering if it is worth the cost. As a financial planning client I will help you:

  • Keep track of, and make more efficient, your financial affairs;
  • Create an organized, diversified portfolio, and I stand between you and the dysfunctional emotional decisions that everybody is at risk of making with their own investments;
  • Get into the habit of saving and investing on a regular basis;
  • Identify what is important in your life and prioritize your goals;
  • Turn seemingly impossible goals into a routine that enables you to achieve them, and;
  • Bring focus of your life from retirement to the present.

The value in financial planning is bringing you peace of mind knowing your financial affairs are on track and in order. You will have an ally that has your best interests at heart. Unlike many financial planners, I believe that a one-time financial plan is not effective for a variety of reasons.

First, a financial plan can only be effective if it is implemented, and implemented properly. Many people who purchase a one-time financial plan never implement it which results in a waste of money and you end up no better than you started. Others who attempt to do their own financial planning may not have the proper education to understand all of the nuances of financial planning and can end up doing unintended damage.

Secondly a one-time financial plan can quickly become obsolete if your financial situation and/or something in the external environment changes such as a birth/death in the family, loss of a job, promotion, stock market crash, taxes going up, inheritance, etc. As these life events happen, you need to revisit and possibly adjust your financial plan each time something changes which means your plan should be flexible enough to adapt quickly to those changes.

My philosophy to financial planning is to keep the process flexible and adaptable to any changes that may come your way. As your financial coach I will help you develop the plan, implement the plan, and continue to monitor your plan over time. You would have continuous access to MoneyGuidePro which is designed to centralize all of your financial information in one place regardless of where your accounts are held so that you can make better informed financial decisions. As something changes it is relatively easy to revisit potential scenarios and make the necessary adjustments to your plan to keep you on track.

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Schedule a complimentary Discovery Consultation to learn more about how Comprehensive Financial Planning can help you put your financial affairs in greater perspective.