COMPREHENSIVE FINANCIAL PLANNING

 

Financial planning, at its best, is not a one-time interaction.  Seagrass Financial delivers Comprehensive Financial Planning in a modular way, which means that we first assess your most urgent need, create a plan to address this area of your financial life, then move on to the next most important area.  Over time, we will cover all aspects of a traditional comprehensive financial plan.  Here is a description of my financial planning process.

 

Instead of a daunting list of several dozen tasks that you need to accomplish, we prefer to focus on the top 3-4 most important items.  This allows us always to be making forward progress.  An ongoing relationship allows us to work together over an extended period of time to help you reach your financial goals.  As your situation changes, we will update your plan - so we can course-correct as needed.

 

For clients who choose Comprehensive Financial Planning, I am available to answer any questions that you have throughout the year.  Issues can be addressed as they arise, rather than waiting for a crisis, and you don’t need to worry that you’ll be charged for asking a “quick question”.  An ongoing relationship allows us to be proactive rather than reactive with respect to your financial picture.

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Comprehensive Financial Planning includes the following:

• Investment Plan

• Debt Reduction Plan (if applicable)

• Cash flow planning

• Employee Benefits Optimization (if applicable)

• Tax planning

• Insurance review

• Education planning (if applicable)

• Retirement planning

• Estate planning

• Update your plan as your situation changes

• Unlimited email support to answer your financial questions

• Meetings and check-in calls as needed

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PORTFOLIO MANAGEMENT

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​Portfolio Management is offered as a service to clients who wish to delegate all of the day-to-day tasks of managing their portfolio to Seagrass Financial.

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Portfolio Management is not a stand-alone service; it is offered in conjunction with the Comprehensive Financial Planning service.  

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Portfolio Management includes the following:

• Execute transactions to implement Investment Plan

• Communicate tax consequences of transactions

• Invest new cash in the accumulation phase

• Monitor portfolio and rebalance as necessary

• Manage income stream in the decumulation phase

• Manage Required Minimum Distributions (RMDs) for clients 72 and older

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For a more detailed description, check out my portfolio management process.

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