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Our
Services
Initial Review
The initial review
will ensure that all the various aspects of your financial
lives are coordinated and working together to make your goals
and dreams reality. As part of our solution process, we take
a broad look at your financial life. When we see potential
issues, we will discuss them with you. Typical questions we
answer include:
- "Am I
on-track to retire at the age I wish?"
- "Have
I made the best investment choices?"
- "How large
of a home can we afford to buy?"
- "Are we
financially prepared for having children, and can one of
us afford to stay home with them while they are young?"
- "Are we
saving enough for our children's college educations, and
what about Section 529 College Savings Plans?"
- "Can I
afford to change careers?"
- "Am I
paying too much in taxes?"
- "How can
I save more?"
- "Do I
have enough and the right types of insurance?"
- "How can
I protect my family if I die or become disabled?"
Financial
planning is an ongoing process, not a single event.
Once presented
with a written financial plan, many people find it difficult
to implement that plan. People are busy. They procrastinate.
Rather than just making recommendations, TFP will help you
take action by:
- Simplifying
and consolidating your investments. Making sure they are
coordinated, properly diversified, and are based upon your
willingness and ability to take investment risk.
- We recommend
low-cost, tax-efficient index-fund investments whenever
possible, including Vanguard and Dimensional Fund Advisors
(DFA) mutual funds.
- Periodically
rebalancing your investments to an optimum, tax-efficient
allocation.
- Working with
insurance specialists to ensure you obtain the necessary
insurance coverage.
- Working with
accountants and attorneys to ensure your tax and estate
planning is complete.
- Recognizing
and capitalizing on planning opportunities as they arise
throughout the year including those brought about by changes
in your lives and changes in the law.
- Ensuring that
your entire financial planning works together holistically
- both investment and non-investment related to keep you
on track to achieve your goals.
TFP is available
for on-going consultation as you encounter new circumstances
and opportunities regarding personal finances.
TFP provides the
wisdom, perspective and professional discipline to guide you
through difficult market environments.
TFP will help you:
- Make financial
decisions with confidence.
- Have peace
of mind knowing you are doing all you can do to reach your
goals.
- Have more time
to do the things you enjoy.
- Achieve financial
independence.
Fees
As a Fee-Only firm,
we are paid directly by our clients for our services. We do
not accept commissions of any kind or fees from third parties.
TFP charges flat
fees for initial and ongoing services based upon financial
planning complexity, including size of investment base. At
the end of an initial "Get Acquainted Meeting" (see
Planning Steps), once your personal
needs are fully identified, TFP will make a proposal as to
how we can help, and what that would cost.
Once the initial
planning work is completed, clients decide if they wish to
implement the plan themselves or enlist the aid of TFP. Unlike
many financial advisors, we do not have a minimum income or
asset requirement. However, we do have a minimum annual fee
for on-going financial planning and investment management
of $3,000.
Please
review Important Disclosure Information
set forth in this web site.
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