Financial Planning
Financial Planning
We understand that there may be something specific that you would like to discuss so we’ll start with what concerns you most.
- Are you overwhelmed with all of the articles and blogs out there on personal finance? Do you have the time to read and understand how the latest headlines impact you?...... increasing student loan debt, rising costs of healthcare, planning for elder care and the latest “new tax act”.
- Do you find that you are busier and don’t have the time to take care of your finances?
- Are you making more money but don’t know if you are maximizing your earnings?
- Are you worried about the sacrifices that you are making to maintain your lifestyle?
- Are you concerned about your future and want to know if you are on track to retire?
- Do you want to improve your life today while planning responsibly for tomorrow?
Our financial planning process takes a detailed look at your personal finances, answers all of your questions you have about your financial well-being and helps us identify what deserves additional attention.
Cash Flow Analysis
Investment Management
Cash Flow Analysis
Let’s review how you are currently managing your household finances and better understand your income and spending. We may be able to identify ways for you to save more, or encourage you to spend more on experiences you enjoy.
Insurance Analysis
Investment Management
Cash Flow Analysis
We’re so focused on growing our assets that we may not give enough consideration to protecting what we have. We will assess your homeowners, auto, disability, life, and long-term care insurance coverage and discuss ways to mitigate risk. We want to make sure you understand how they each affect your personal financial situation.
Investment Management
Investment Management
Investment Management
Creating, building and growing your wealth requires a long-term commitment to investing. It is essential to have a plan and policy, and stick with a disciplined investment strategy.
Thrive Assessment
Tax & Estate Planning
Investment Management
We want you to live a richer life, enjoy your lifestyle today; as well as, planning responsibly for your future. This requires a periodic assessment to determine if anything in your environment needs tweaking, or changing in order for you to THRIVE.
Retirement Planning
Tax & Estate Planning
Tax & Estate Planning
We help you understand your lifestyle today, and how that may translate in retirement. We also examine how you are spending your time, how that will change in retirement, help you define your values, and encourage you to live a purpose filled life.
Tax & Estate Planning
Tax & Estate Planning
Tax & Estate Planning
We spend time reviewing your current tax return and estate plan to help ensure you are minimizing taxes you pay and maximizing the assets you wish to pass to your loved ones or charity.
Cost of Services
I specialize in comprehensive retirement planning; however, I do offer project-based financial planning services to address your targeted concerns only. When we meet, we will discuss the services that would be the most appropriate for you and the cost for those services.
On-Going Financial Planning* - I will develop a comprehensive analysis of your personal finances, advise you on areas that deserve your attention, and recommend the best course of action for you. We will meet or check-in at least annually to focus on key areas, discuss your goals, and track your progress. This engagement typically serves as an introduction to on-going financial planning and investment advisory services, often referred to as wealth management.
Project Based Financial Planning / Comprehensive Financial Planning – I will develop a limited scope financial plan or analysis based on a client's needs, OR develop a comprehensive analysis of your personal finances, advise you on areas that deserve your attention, and recommend the best course of action for you. This typically serves as a one-time engagement only and excludes support with implementation, review, or monitoring of the plan. Fees vary depending on scope of engagement, typically 4 -15 hours. Advisor services may be contracted or added to planning engagement to assist client with plan implementation.
*Sherwood Financial Management services are typically delivered under our coordinated approach including on-going comprehensive financial planning and investment management - subject to our investment management fee schedule, and a $300,000 investment minimum.
Our Partners
