True value is created by advisors who tailor solutions to clients' specific needs and have enough respect for the client to explain "why?" When so much is riding on getting it right, Financial Coach makes transparency a priority and hold our role as your fee-only fiduciary partner sacred.Get Started Now »
Our Retirement Blueprint Process is the foundation for your financial plan and advisory relationship with Financial Coach.
Over the course of two complimentary meetings, we go deep into what makes you tick, your relationship with money, and your vision for the ideal retirement. We deliver to you specific feedback on the areas of your current “plan” that do not match your retirement vision. Our feedback is critical to understanding where you are, why you are off track, and how to get back on course.Read More About Blueprint Next: Gameplan
Our Retirement Gameplan builds the framework for your financial plan upon the foundation established in the Blueprint process.
This multifaceted approach provides the context and roadmap for the most critical decisions you will face both pre – and post-retirement. The Gameplan consists of a series of planning “modules” focused on Investments, Income, Insurance, and Estate Planning. The culmination is a comprehensive financial plan and a recommended implementation strategy.Read More About GamePlan Next: Implementation
Once the Retirement Gameplan has been presented and reviewed, it is time for its implementation.
After signing a Client Agreement, we prepare the necessary documents to establish your investment, insurance, and estate plans. Executing your well thought-out retirement plan is really only the beginning of the advisory relationship with Financial Coach. Due to the significance of the changes being made, we remain deliberate and take pains to make the transition smooth and easy.Next: Coaching
Your Financial Coach on-boarding team creates a custom service plan to meet your particular needs and expectations.
Since life and the markets have a way of throwing all of us curveballs, we commit to a disciplined and consistent review regime. As the benchmarks for your ideal retirement continue to move, your team will be prepared to provide timely advice, education, and necessary course corrections. Money, investing, and “making it” should be the least of your worries¦Financial Coach is determined to lead you there.Get Started Today
WE'RE ALL ABOUT
How’s the view from where you’re sitting? Are you court side and comfortable, or are you worried you’re stuck in the cheap seats? Our team’s vast experience in every area of investment and financial planning can help you get a clear view of where you are now, and where you need to be. Here’s some insight into our gift for foresight.
by Owen Mulhern CFP®
It seemed like a great idea to start the 1000 piece puzzle on that rainy weekend. The family coming together to share in the excitement and challenge of putting together the various shapes and colors was almost too much to handle. Oh, what fun we were going to have!
Then, we poured the pieces onto the table. The 1000 random pieces that needed to be organized and coordinated in a precise fashion were revealed to our awaiting crew. Wow. We all agreed that 1000 puzzle pieces was a lot of pieces. The task seemed too difficult, too time-consuming, and for some of us just flat-out overwhelming. A few of our participants chose to amuse themselves with other activities, while the not so faint of heart charged forward to begin our monumental endeavor.
The primary tasks were evident to all; organize the pieces that have a flat edge to create the border, and then group the remaining pieces based on color and the picture on the front of the box. These steps, and these steps alone, were the key to making any progress on our journey. There were so many puzzle pieces to consider, and in that chaos, we had to find some order, process, and make small but meaningful progress. That is when it actually got fun!
Have you emptied the financial “box” on the table to reveal just how many tasks await you? When that box is emptied, many families are faced with unknowns, challenges, differing priorities – not knowing where to start, many choose not to start at all. They choose instead to put the pieces back in the box because they are overwhelmed by the sheer volume of financial items to organize and many don’t feel armed with the know-how or confidence to get started. We at Financial Coach are not surprised by this. Here are a few items that today’s modern retiree must contend with:
Social Security and Pension claiming strategies, Medicare/Medigap eligibility, How to invest and allocate retirement savings, How to get income from savings and investments, Legal documents and estate planning strategies, Gifting to kids and grandkids, Aging parents, Buy a second home or spend the money on travel, College and higher education savings, Long Term Care insurance, Continuing Care Community.
I could go on, but I think you get the point. These are big decisions, some of which are in fact irrevocable. The information is out there, but much of it is either confusing or conflicting. We know that the consequences of making the wrong decision can be severe, so we avoid that pain by making no decision at all. Well, ignoring the issues will not make them go away. It’s time to get organized, take a deep breath, consult a second set of eyes, reorient yourself with the big picture on the box, start with your edges to create a border and begin to put the pieces together.
Our Retirement Gameplan Process creates 2 substantial outcomes for families who are either retired or approaching retirement:
Getting to this point is not an easy task, but it is unbelievably rewarding. Like the 1000 piece puzzle, you must first face the challenge head-on and take the first step. Raise your hand, ask for help, and be willing to make some short-term sacrifices for long-term success.
At Financial Coach we become your partner in organizing all of the pieces, taking inventory of what you have and what may be missing, and then lay out a roadmap for your future financial life. Once the puzzle border is built, the picture is clear, and the financial foundation is set, you will be amazed by what you are capable of.
Investment Advice offered through FC Advisory LLC, a registered investment adviser doing business as “Financial Coach” and as “New Wealth Project”. This content is provided for informational purposes only. Views and opinions expressed are those of the authors and do not necessarily reflect those of FC Advisory, LLC. Information provided is not and should not be interpreted as investment, tax, legal, or other professional advice or recommendation by FC Advisory, LLC or the members of our firm. Always consult the appropriate professional regarding your specific situation before implementing any options presented or inferred. FC Advisory LLC, All rights reserved.
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