Client-Centered Financial Planning & Wealth Management Services
If you’re looking for financial planning that takes all of your financial pieces into account. Not just some cookie-cutter advice! You want to partner with a financial planner who takes your values and goals into account, and who can create a financial plan as well as manage your investments.
At Guiding Wealth, we incorporate every area of your finances into your plan, and we expertly guide you through managing your wealth in whatever form you’re accruing it. Together, we’ll create a thorough financial plan and wealth management strategy that fits where you’re at in life — and where you want to go.
Guiding Wealth Offers Client-Centered Financial Planning & Wealth Management
It’s not uncommon for people to assume that “financial planning” just focuses on preparing you for retirement or diversifying your investment portfolio. But at Guiding Wealth, we believe it takes more than that to have a meaningful, long-term impact on your financial health.
Monthly spending decisions, savings plans, charitable giving, and even complex family dynamics can all affect your current and future financial situation. That’s why we provide comprehensive support and guidance on every aspect of your finances, making it easier to reach your immediate and long-term financial goals.
Experience the peace of mind that comes with knowing you’re prepared for whatever comes next, whether that’s a career change, a new baby, supporting your aging parents, buying a home, or retirement.
Your Roadmap to Financial Security
Wondering what financial planning and wealth management looks like with Guiding Wealth?
Here’s how it works.
Step 1:
30-Minute Discovery Call
Chat with our team about your financial goals and/or challenges. This is your chance to share what you hope to achieve through financial planning and get details about how we can help.
Step 2:
SIGN YOUR FINANCIAL PLANNING AGREEMENT
Once you decide to work with us, it’s time to sign the agreement and start the process of working with our team!
Step 3:
Onboarding and Document Collection
You’ll provide financial statements, income documentation, tax returns, etc. We’ll give you a detailed list of exactly what we need from you.
Step 4:
Investment Discussions
Discuss your investment strategies and options that align with your financial goals and priorities. We’ll discuss risk tolerance, short- and long-term goals, and more so you understand everythign.
Step 5:
Insurance Review
Discuss the different types of insurance and determine what sort of coverage you need. We’ll present you with all the options and give you the time you need to decide which one is right for you.
Step 6:
FINANCIAL INDEPENDENCE PLAN
Discuss what financial independence actually means to you, and how it relates to your investments and insurance. We’ll develop a comprehensive plan to support you as you build new habits.
Step 7:
Long-Life and Estate Planning
Look at the future and talk about how you can enjoy freedom in retirement, and what legacy you want to leave. This is where we’ll discuss charitable giving, trusts, power of attorney, and more.
Step 8:
Final Review
Reflect on your current financial status and your future goals to make sure the plans we’ve made align with what matters most to you. After this review, we’ll meet with you every six months to check in and make updates!
What Does Financial Planning & Wealth Management Include?
Our financial planning and wealth management services help clients navigate complexities that are unique to their family’s situation. Our services cover every aspect of your financial life:
- RETIREMENT PLANNING: Facilitating the lifestyle you want.
- INVESTMENT MANAGEMENT: Balancing risk and reward in your portfolio
- TAX PLANNING: Minimizing your tax liability as much as possible
- ESTATE PLANNING: Designating heirs, guardians, and other beneficiaries
- INSURANCE PLANNING: Making sure you have the appropriate amount of coverage
- CHARITABLE GIVING: Incorporating charitable donations into your financial plan
- BUDGETING: Supporting your current and long-term financial stability
- LONG-TERM SAVINGS (e.g., college fund): Creating a feasible plan to reach your goal
- AND MORE. We customize every plan and support to what’s happening in your life
Frequently Asked Questions About Financial Planning & Wealth Management
Questions are to be expected! Here are some answers to the most common questions we get.
Why choose Guiding Wealth for financial planning and investment management?
At Guiding Wealth, we take a different approach to financial planning — one that’s completely tailored to your unique circumstances and priorities. We’re committed to supporting your financial goals and giving you the means to reach them. We aren’t about one-size-fits-all solutions or outdated advice on debt and financial priorities. We also aren’t going to sell you into any insurance products or investments that don’t align with your finances, goals, or values. When you work with us, you’ll get personalized advice, a clear financial plan, and investment management from a team of knowledgeable experts who truly care about your financial success.
What is the cost?
The cost is twofold. The first is a financial planning fee, which is the initial engagement. Initial financial plans in our full-service financial planning arrangements start at $5,500 and go up with complexity. The second is an ongoing investment management fee, which starts at 1% of the market value of any assets under management. (If you do not want to invest with us, check out our annual financial plan service.)
Guiding Wealth will provide specific information about fees during your initial consultation.
Can I do a financial plan and then move into investments later?
Absolutely. We’re here to support you in whatever way works best for you. You can work with us to create your financial plan and, should you ever decide you want to invest with us, simply let your financial planner know! You can also speak to our team about which option is right for you and to discuss pricing.
How long does the financial planning process take?
Once you’ve had your initial consultation and decided to work with Guiding Wealth, it takes approximately 2-3 months to complete all the phases of your financial plan. After that, we’ll meet with you on a regular basis and as frequently as your situation requires or so to make sure everything is still in alignment with your goals and values. Of course, as a wealth management client, you have access to your planning team any time. If you have questions, need to reschedule a call, or want help with something, you’ll be able to contact us during regular business hours.