When I meet with people inquiring about my services, the most common thing that clients want to know is ‘how they are doing.’ This is not a question that I can really answer. Why? Because how someone is doing is relative to the outcome they are hoping to achieve.
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A comprehensive financial plan covers all financial areas of your life. You must know where you are now before you can figure out where you are going.
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Intentions & Goals for the New Year – Happy New Year! What are your intentions for this year? Is there something specific you really want to make happen?
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Over the years I have gained lots of experience in financial planning with seeing so many different scenarios-not one person’s situation is the same. Also, the CFP(R) curriculum consists of an education piece that really lays out a great framework in the Financial Planning process. When you start with a good framework that has pieces that can be replicated and add real life situations to this framework, it becomes second nature.
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As we are approaching the end of the tax year, you may start seeing some capital gains distributed by some of the investments you hold-mainly mutual funds.
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According to the Forbes article, “The Four Things Women Want (in Financial Services),” women want the following: – more confidence with their finances, more convenience, better communication, and better collaboration.
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Tax planning is considering your whole situation and making any necessary changes or decisions before the tax year is complete. Think of it as forward looking. When you prepare your tax return, you are looking backwards at things that have already happened and figuring out any credits or deductions that you can take based on things you cannot change.
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Many of our clients don’t know what probate is, and that isn’t necessarily a bad thing. If you’ve never had a loved one die, you may never have experienced it. Probate is the legal process by which a will is validated. If there’s no will, it’s the legal process of settling a person’s affairs. In other words, if you didn’t write your own will, the state has one for you.
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There are several misconceptions about estate planning. For instance, many people think you need to be ultra-wealthy to create one, or that they are only relevant to parents with young kids and senior citizens.
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