FINANCIAL PLANNING SERVICES
Organize your cash flow. Make educated financial decisions. Reach your goals.
Every financial plan is unique, so we start with a discovery process. The first step in our financial planning services is a brief 15 minute phone call to get acquainted and see if we may be a good team. No cost and no obligations. While we are located in Carlsbad, California, just north of San Diego, we can work with you virtually anywhere.
WHAT TO EXPECT
1
DISCOVERY
2
ORGANIZATION
3
STRATEGY
4
ACTION
DISCOVERY PROCESS
In-Person or Virtual Meeting
After our initial phone call, we schedule a 45 minute initial meeting to get started. We will review your current financial progress in detail and answer your questions about our financial planning services. If we both agree that Centered Financial can assist you, we define the scope of our work for you in a financial planning services agreement and schedule the next steps. This initial meeting can take place at our Carlsbad office in North San Diego County or through an online meeting.
ORGANIZATION PROCESS
1 -2 Meetings (Phone/Virtual)
As a team we work to organize your financial info and understand your current financial progress. During this process we will review:
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Income & expenses
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Financial assets & debts
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Tax history
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Investment preferences
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Insurance and estate planning
We will also discuss:
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Your experiences and attitudes toward money
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Important goals you would like to reach
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Upcoming changes or challenges
STRATEGY SESSION
1 Meeting (In-person or Virtual)
We review an action plan that can be implemented to optimize your finances and get you on track for your goals. As a result of the process, you get:
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A cash flow statement comparing the current situation and proposed action items
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A debt payoff plan
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Insurance checkup
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Tax-efficiency recommendations
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Investment allocation recommendations
We also build specific action plans for your goals and future financial decisions by looking at:
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Major purchases or expenses
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Career changes
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Business launch or exit
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College funding
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Retirement
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Inheritance
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Etc.
ACTION & UPDATES
Ongoing Financial Planning Services
The key to a good financial plan is flexibility, this is because we each are living a unique life and we know that life doesn't go as planned.
Once the plan is created, we work side by side to take action. We assist in making recommended changes and then we help you track short term benchmarks to work toward your goals.
As life changes, we make updates. As a team, we work together so that you feel confident on your path to success.
Our whole process is guided by an experienced CFP® professional.
It's time to center your money on what matters most to you. We are excited to help you get started!
HOW WE WORK WITH YOU
ONGOING PLANNING AND CONSULTING
Let's face it. Changes take some time. This process provides support on your path to success no matter how long it takes.
We start with our initial planning process, and once your plan is created, we work with you in an ongoing relationship to adjust and update your plan as you work toward your goals.
Fees:
Initial Flat Fee covering work in first 3 months.
Ongoing planning fees billed monthly, quarterly, or annually
*Fees for service may be covered in an investment management fee
ONE-TIME OR LIMITED SCOPE PLANNING
Life is changing and you need a plan. You can take it from there.
We follow the planning process to analyze your situation, develop a plan, and outline your implementation steps.
We are always a resource when you need us.
Fees:
Flat Fee
PROJECT WORK
You don't need a comprehensive plan, you just need some direction for a specific situation. We listen, analyze the information, and give you customized guidance for your needs.
Fees:
Hourly or Flat Fee
Efficient technology keeps your plan connected to your life.
Setting benchmarks, tracking progress, monitoring investments, following a budget, and checking off important tasks. You connect with us on your own time with your Centered Financial Dashboard.
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