InSight-Full® Personal Financial Plan
InSight-Full® is our proprietary planning process designed to realign the way clients think about a financial plan. If you have been approached about investing in the past, this process is not that. We are not concerned with the year over year or quarter over quarter performance of a collection of assets. Our process is an attempt to get clients who are focused in replacing their current income with a sustainable cash flow through retirement. We do this by not limiting ourselves to any particular asset class, or by being beholden to a series of products. We are true investors and keep one eye on the returns, and the other on risk.
We focus on establishing Financial Plan with a complete understanding of our clients goals by going through a goal planning session.
This includes determining your lifestyle in retirement, education you want to see paid for, funding charities you care about, or any other commitments you want to make to yourself or your family. Then we crystallize those goals further by doing routine deep dives into the below topics (See our cadence here).
Tax Planning and Mitigation
Estate and Legacy Planning
By expanding the universe of investment options, and focusing on a client’s cash flow over their lifetime, and putting into place a plan that controls the controllable clients, they find success over the long term. Our process puts all these things into the financial goals you have for your family.
InSight-full® Planning includes the entire suite of financial planning services and with your dedicated CFP® professional, you will cover investment management, risk management, tax planning and mitigation, insurance, debt and estate and legacy planning. InSight-Full® is a complete picture of your financial world today, and a map for where you want to go and our cadence keeps you on track and in communication with your planner.
Creating a successful plan is only part of the equation. We coach and cultivate that plan through a cadence we can be proud of. We have developed a six-point process that not only provides client valuable touchpoints with their CFP Professionals but also provides the planning support to confirm the plan is performing as expected.
Required Rate (January)
The return you require to achieve your financial goals.
Spend Rate (March)
We review with clients the relationship between the money they earn and the money they spend, and how that affects their financial vision.
Employment Dependency (May)
How much of your cash flow is dependent on your continued employment. When can you legitimately begin positioning yourself to no longer work (or work by choice).
Risk Management (July)
Calculate the amount and type of insurance you and your family needs in relationship to your financial plan.
Savings Rate (September)
How much of the income our clients are generating and putting into long term productive asset ownership is a key indicator for how successful their plan will be.
Tax Rate (November and December)
Benchmarking your tax situation allows you to confirm that your investments and income are being taxed in line with your financial plan.