Financial Planning

Financial Planning

What is Comprehensive Financial Planning?

Financial planning is an ongoing process to help you make sensible decisions about money that can help you work towards achieving your goals in life. It's not just about buying products like life insurance, an IRA, or stocks.

Marci Bair, CFP® is a fee-based CERTIFIED FINANCIAL PLANNER™ Professional who, alongside Victor Orozco, CSRIC and their qualified team, adheres to the fiduciary and ethical standard of the CFP Board. This means we work for you and not an investment or insurance company.

We are concerned about your whole financial well-being not just selling a product. We will help you analyze what you own, help you figure out why you own it and how it works with your financial goals.

Just like with an iceberg in the ocean there is a lot below the surface you don’t see. The same is true with Financial Planning. As the image shows, there are a lot of major issues that impact your financial life that can only be addressed with a comprehensive Financial Plan.

Your Guide to Financial Planning

There’s nothing more important for your financial future than creating a plan that allows you to pursue your goals. Fortunately, there’s no need to find all the answers alone. Our team offers financial planning services to help you better understand which actions you need to take to reach your objectives for the future. Our financial planning services are fee-based. 

Why Financial Planning Matters

Having a financial plan allows you to prioritize the things that matter most to you. We customize every financial plan to ensure it works for your situation and your goals. Maybe your priority is to pay off debt while protecting your family and your income with insurance. Maybe you’re ready to start a college savings plan for your child while preparing for an early retirement.

It’s our job to make sure you don’t leave out anything important when we prepare your financial plan by going over all the options with you. Your financial plan can help you work towards your retirement and investment goals, but it also includes insurance, tax, and estate planning. Think of your financial plan as your roadmap and our financial advisors as your guide to helping you reach your financial goals.

Examples of Financial Planning

Financial planning looks different for everyone. Our LGBTQ financial planners always prioritize the things that are most important to you when we create a comprehensive financial plan. Here are some examples of what financial planning might include:

  • Create or optimize your retirement plan
  • Write up an estate plan
  • Review your insurance policies
  • Analyze your investment portfolios
  • Create a tax reduction strategy
  • Start a college savings plan

Your financial plan can include anything you’d like. If you want to save up for a boat, invest for cash flow to travel the world, or build a legacy to pass to the next generation, we’re here to help you create a plan that allows you to pursue those goals.

Benefits of Working with a Certified Financial Planner

A CFP, short for Certified Financial Planner, can be instrumental in reaching your financial goals. With financial planning, there are a lot of moving parts and variables to consider. For example, you have dozens of investment plans to choose from and many more types of investment products inside of these plans. Our Certified Financial Planners can help you understand which options work for your situation and your goals.

We’ll also think about the tax implications of your investment decisions. Our LGBTQ financial advisors also consider your current financial situation and your personal objectives before we make any recommendations. Your financial plan should be built around your needs and help you prepare for a better financial future. 

View this quick video to see how we will set up a Personal Financial Website for you to view all of your assets in on place and track your goals and view your spending.

FAQs about Financial Planning

How Can I Find an LGBTQ+ Friendly Certified Financial Planner?
The LGBTQ+ community faces unique struggles which include their finances. Our financial planners support our LGBTQ+ clients in every way we can, from helping you select investments that support the causes that matter to you to creating a financial plan that helps you pursue your unique goals. Schedule a call today to get started with a gay-friendly planner who works for you.

What Should You Consider When Looking for a Financial Planner?
There are several factors to consider when looking for a financial planner. You want someone who has knowledge and experience with creating financial plans just like the one you’re looking for. The longer the planner has been in business, the better, because it usually means they have happy clients. You may also want to read their about us section on their website to ensure you find a planner who will work well with you.

What Are the Steps of Financial Planning?
The financial planning process begins with a thorough assessment of your current situation. To help you create a plan for your financial future, we need to understand where you are today and where you want to be. Together, we’ll go over every aspect of your finances to make sure you’re on track to reach your goals while your most important assets are protected.

It’s Time to Take Charge of Your Financial Future

Your financial future is waiting for you. You only have to take the first step and meet with our financial planners. We’ll help you with every step of the way, from planning your future to pursuing your goals. Call us today to schedule an appointment.

Ready to Get Started?

Schedule your Initial Meeting Here