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Frequently Asked Questions
About Our Planning Process
Please tell me about the financial planning process. Financial planning is a multi-step process that provides you with two important things: (1) An in-depth review of your current financial situation, and (2) a blueprint that shows you how to achieve your goals and objectives for the future. At Five Seasons Financial Planning, the financial planning process consists of seven distinct steps (click this link to see our "Guiding You to a Brighter Financial Future" flowchart for details). It is important to remember that financial planning is a process . . . not an event.
How do you create this blueprint? First we focus on your goals, objectives, priorities and values. For instance: the reduction of current and future income taxes may be an immediate goal, funding a quality education for your children and/or grandchildren may be an intermediate goal, and enjoying a secure financial future in your retirement years is likely to be one of your most important long-term goals. Another great goal in life for some people is creating wealth and/or leaving a legacy for their chosen beneficiaries or charities. You may already be on the road to meeting these objectives, and you may simply need a new strategy or some professional insight. You may just be starting out, or you may be somewhere in between. Whatever your unique situation may be, everyone needs a periodic assessment of where they are on the road to meeting their financial goals. That’s why we do an in-depth review of your current financial situation. Next, you need to know how you can set about achieving (or continuing to work toward) your financial goals. By focusing on cash flow, investments, taxes, pensions and retirement plans, estate planning, insurance issues, savings opportunities and other general financial matters, we design a customized financial plan for you. Finally, to achieve the intended results, you must implement and monitor your plan.
Sounds like a lot of work! It may seem like that at first, but the good news is, if you follow your plan and maintain a disciplined approach, you can rest well knowing you can reach your stated goals. At Five Seasons Financial Planning, we try to make the process as easy as possible for you. In addition to providing professional advice on your most important financial concerns, we offer help implementing your financial plan and we manage investment assets on an ongoing basis if appropriate for your needs. (Click on this link to learn more about our Investment Management services.)
Who can benefit most from your services? Any individual seeking financial peace of mind can benefit from our services. We serve people at all income levels, from all walks of life. Clients have the flexibility to work with us on either a one-time, as-needed basis or on an ongoing basis. We welcome those who simply need a one-time financial consultation or second opinion, as well as those who need comprehensive financial planning and possible ongoing asset management services. In addition, any corporation or organization seeking professional, unbiased financial education for its employees or members can benefit from our financial education programs.
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