Financial Planning

Every Client Receives a Financial Plan

It’s the key to your future success

Having a written guide that connects your financial goals to your assets is necessary to become a successful, long-term investor.  Flowerstone Financial is committed to helping you create a successful financial plan that puts your money to work for you.

When your money serves a purpose, your money serves you.

The simple task of assigning purpose to your money allows you to have better clarity and confidence in all of your financial and life decisions. We seek to minimize the frustration and doubt that often arrives with financial decisions.  How?  By creating structure and a repeatable planning process each year designed around what’s most important to you.  Goals, planning, and then your portfolio, in that order, support our financial planning engagements together.

Our Financial Planning Process

01.

Let’s Chat

We learn about you, you learn about us, and together see if this could be a great fit.  We’re flexible, and we realize that an in-person meeting works better for some, while a Zoom meeting or call will be better for others. This 30-minute online meeting (or a socially-distanced outdoor walk) gives us time to learn more about your financial pain points and what you most hope to accomplish through financial planning.

02.

Discovery Meeting

We review your balance sheet (what you own and owe) together to help you assign a purpose and timeline to each account. Don’t worry if you do not have all the answers, as that is what we are here for.  We are committed to asking questions and learning more about what you want to accomplish, both personally and financially. Our cash flow tool allows you to maximize automation to support your goals and priorities.

03.

Present Plan

An executive summary is created and shared based on the calculations of your plan.  Specific action items and a timeline are discussed in this meeting.  Recommendations are provided and a summary email is sent so you may reflect on what’s important to you.  We also outline what a continued engagement for ongoing financial planning and asset management could look like for you.

04.

Continue the Relationship

When you are ready, we have some papers to sign and you may open investment accounts at that time.  You will receive an annual plan review each January to May and a semi-annual review covering different planning themes from September to December.  You will also be eligible to receive our exclusive, client-only, e-mail content designed to help you stay focused on financial planning and success.

What Your Plan Can Include

Financial planning is personal and unique to each client’s goals and situation.  Likewise, the solutions, methods and tools we employ can differ, though you can expect to see some (or all) of these included in your financial plan.

Cash Flow Management

Retirement Planning

Investment Management

Retirement Income

Tax Planning

Insurance Coverage

Estate Planning

Education Funding

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What You Will RECEIVE

Along with a comprehensive plan, each client receives:

Balance Sheet

Get the lowdown on your income, expenditures, and liabilities with our easy-to-use balance sheet. We review and update this with you each year.

Regular Communications

You’ll receive regular communications from us on a variety of topics, and can always see our latest thoughts and opinions on our blog.

Advanced Technology

Our client access portal and entire service experience is built upon the latest financial services technology.

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Comprehensive Plan

A comprehensive plan that is outlined by an executive summary on what steps to take.

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Support

Our reliable “financial plumbing system” utilizes automation and supports your goals and priorities.

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Structured Process

We provide structure and a repeatable process each year designed to help with growing and managing your wealth as part of your plan.  Two meetings per year take place along with access to our team and other technologies that support your plan.

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Email Newsletter

We send six email newsletters per year that are customized around spending, savings, taxes, future fun & happiness topics.  All content is created by Ryan and available only to current clients.

What Does It Cost?

Your cost for our work, ideas, and follow-through are deducted monthly from the accounts we manage on your behalf, as part of our engagement together. Each Flowerstone investment account has a small cash amount where costs are automatically removed each month.  We are fee-based.  We are fiduciaries.

The cost covers both investment selection, management, monitoring and creation of your comprehensive plan customized around your goals and priorities.  This also includes our “financial plumbing system” that will utilize automation and help you get more accomplished.  Each year your plan and financial plumbing system is updated and reviewed between the months of January to May.

A semi-annual review takes place, between September and December, covering different planning themes.  Both reviews provide accountability and adjustments designed to help you stay on-track.

We thrive helping people get financial organized and focused on what’s important to them.  Having more confidence in your decisions and the inputs you control creates less worry and concerns about tomorrow.  We can help you manage your plan and provide an exceptional experience while doing so together.  Let’s chat, click to schedule a time on my calendar below.