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Planning for Life

Money
Basics

Wealth Accumulation

Retirement
and Beyond

First Financial
Plan

Pre-Retirement

A Well-
Planned Life

Financial Planning is an Ongoing Process

To provide you with a comprehensive financial plan tailored to your unique situation, we need to really get to know you! Not only what resources you have to work with and what goals you are trying to achieve, but also how you view and value money in your life. What’s really important to you is what’s really important to us, and it will always be the driver of your personal financial planning.

By applying a disciplined and thorough five-step process, we ensure you get a financial plan tailored to where you are on your financial journey.

1 - Connect and Discover

  • Get to know you and what’s on your mind
  • Establish goals for the future and discuss financial concerns
  • Discuss what money means to you, as well as your past and current money behaviors
  • Gather all pertinent information including income and expenses, assets and liabilities, company benefits, insurance coverage, legal documents, etc.
  • Determine your risk tolerance for investing

2 - Plan and Recommendation

  • Provide an overview of your financial situation and steps to take to reach your goals
  • Deliver and discuss comprehensive recommendations
  • Discuss prioritization, implementation, and establish an action list

3 - Implementation

  • Proceed with the items on the action list
  • Coordinate with your tax, estate, and other advisors
  • Plan for future strategy to accomplish other goals

4 - Annual Deep Dive

  • Meet annually to discuss changes in your life and goals
  • Review financial plan and update if needed
  • Review account(s) and performance and recommend necessary changes

5 - Endless Service and Value

  • Unlimited access to your lead advisor and our staff
  • Active outreach from us with alerts and proactive strategies
  • Online account access and Wealth Vision Account Aggregation Tool and Vault to secure important financial documents
  • Ability to update your Financial Plan when necessary
  • Market commentary emailed weekly
  • Educational webinars
  • Opportunities for us to work with your adult children/aging parents

Our Financial Planning Services

To help people work toward their goals, we create comprehensive, written financial plans, including estate planning where necessary. Developing a plan, implementing it, reviewing, and updating it annually can help define your financial possibilities and pursue your goals.

Risk Management and Insurance Planning

  • Emergency Fund and Liquidity
  • Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Group/Employee Benefits Review
  • Health Insurance Review
  • Property and Casualty Insurance Review

Investment Planning and Management

  • Current Investment Analysis
  • Managed Investment Accounts
  • Education Funds
  • Annuities
  • Alternative Investments

Tax Planning

  • Tax Advantaged Accounts
  • Income Tax Planning

Retirement Planning

  • IRAs, 401(k)s, and other Qualified Retirement Plans
  • Stock Option Planning 

Estate Planning

  • Beneficiary Review
  • Living Will, Other Legal Document, and Trusts Education
  • Estate Tax Planning
  • Legacy/Charitable Giving Planning

Our Investment Strategy

In making financial and investment decisions with clients, we use a disciplined approach.
It Starts with Financial Planning

Age, investment horizon, and risk tolerance are just a few factors we consider when making important financial recommendations, but it doesn’t stop there. Considerations are also made around your core values, health and longevity, desired future lifestyle, and tax reduction opportunities, amongst a wide array of other factors.
It is only appropriate to recommend an investment by first obtaining all pertinent investor information. To that end, we will be thorough in our conversations together and our development of a comprehensive financial plan that will assist us in making recommendations most suitable for you.

Diversification and Asset Allocation 

The science of the relationship between diversification and asset allocation within portfolios became widely acclaimed when the author of "Modern Portfolio Theory", Harry Markowitz, won the Nobel Prize in Finance in 1990.
We believe that diversification and asset allocation are key to projectable and dependable investing in the market. They do not protect against market risk, and there is no guarantee that such a portfolio will enhance overall returns or outperform a non-diversified portfolio. However, it is one of the best ways to reduce the volatility of your portfolio and helps us to make reasonable projections around rates of returns, which is key to making decisions in regard to your long-term goals.

Specialist Third-Party Money Managers 

As financial planners who understand the entirety of your situation, we rely on third-party money managers who have been carefully selected to handle the specific investments within your portfolio. We serve as the filter and selector, determining the best manager and strategy, and providing ongoing monitoring of these specialists' performance.

Review and Update 

Financial plans should be updated regularly. Whether this is annually or every 3 – 5 years is determined by your unique situation and the changes occurring in your life. However, all situations require regular, at least annual review to ensure plans remain current.

Laws and regulations change. The financial industry changes. The investment landscape changes. For these reasons, we encourage you to do a Deep Dive into your plans with us once a year to ensure the plan we’ve put in place is still aligned with your long-term goals.

Karen Lee and Associates