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Life-Integrated Financial Planning...Helping
You Fit the Pieces Together
You likely have several financial planning pieces in place—you pay
taxes, invest at least a portion of your savings, have some insurance,
and maybe you have done some estate planning and retirement planning,
but chances are each of these pieces was
developed independently and at different times in your life. Is it any
surprise then that you’re unsure if you’re on the right track and making
all the progress you could be?
To be effective, financial planning needs to be coordinated. Each
piece of the financial plan needs to accomplish its own specific tasks as well as
support the tasks of each other piece. We call this life-integrated
financial planning, and we are experts in this area. We’ll look at your
entire financial picture and help you fit the pieces together properly.
We'll ask you lots of questions, including:
Comprehensive
Financial Planning Makes the Difference for Gene and Maria
Gene and Maria thought they had addressed all their major financial
concerns. An attorney prepared their wills when their first child
was born. A local insurance agent sold them auto, home, and whole
life insurance policies. They managed their own investments using a
discount broker, following the advice in top magazines along with
occasional suggestions from Maria’s stock-broker brother. They both
contributed some to the retirement plan available through their
employers and regularly set aside money for their children’s
education. They used the same CPA who had always prepared Gene’s
parents’ tax returns and always received large tax refunds which
they would use to make extra principal payments on their mortgage.
But this year they ended up owing several thousand dollars in taxes
and had to dip into their education fund to pay their tax bill. They
decided it was time to hire a financial planner and were referred to
a local Cambridge Advisor.
It was the first time someone had looked at their entire financial
picture, and it was an eye-opener. While Gene and Maria had always
received professional advice, no one had ever coordinated that
advice, and many of their financial decisions that seemed wise were
actually hurting them. No area of their finances was accomplishing
what they wanted it to. Working with a Cambridge Advisor, Gene and
Maria built a solid foundation for their financial future. After
discussing their goals for their future, their fee-only Cambridge
Advisor helped them to update their wills, decrease their tax
burden, save money on their insurance premiums, and increase their
savings for emergencies and retirement. And when they recently learned they were receiving an
inheritance from Maria’s grandparents, the first thing they did was
call their Cambridge Advisor to schedule an appointment so that the
money would be put to the best possible use. Their Cambridge
retainer allows them to call any time their situation changes at no
additional charge.
Would you worry less if you had a life-integrated financial plan?
Contact us to learn how to keep your
finances from ruining your enjoyment of life.
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David Dowd, CFP®, EA
Contact Us
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in the U.S.,
which it awards to individuals who successfully complete CFP Board’s initial
and ongoing certification requirements.