Financial Planning

Helping you navigate complexities.

Financial planning is more than coming up with a retirement savings amount to work toward. It’s about planning for all aspects of your future, from managing your risk to strategizing your investments and setting philanthropic goals.

More than anything, it’s about giving you peace of mind. With a financial plan in place and guides to help you navigate it, you can sleep more soundly at night.

At Financial Planning Navigators, we go beyond the role of financial advisor to coordinate with other professionals on your advisory team, such as your attorney, CPA, and insurance agent. By working together on your behalf, we can build a comprehensive plan for your future.

Our services include:

Net Worth and Cash Flow Analysis

  • Consolidated net worth summary
  • Online access to aggregated financial data and transaction details
  • Record keeping (personal property)
  • Cash flow analysis and money flow chart
Net Worth and Cash Flow Analysis

Risk Management (Insurance Planning)

  • Life, disability, and long term care
  • Irrevocable life insurance trusts (ILITs)
  • Business buy-sell, overhead, buyout, split-dollar life, deferred compensation, and key person
  • Fixed annuities and insurance alternatives
  • Group life and disability insurance
  • Property and casualty audits
Risk Management (Insurance Planning)

Evaluation of Tax Considerations

  • Develop strategies in partnership with your CPA
Evaluation of Tax Considerations

Investment Planning

  • Investment strategy and planning
  • Risk assessment and goal-targeting profile
  • Investment due diligence (ongoing analysis and seeking optimization)
  • Research and analysis
  • Complete asset management with oversight and management provided by our in-house CFA
Investment Planning

Retirement Planning

  • Distribution strategies
  • “Output and Recommendations” summary
  • Cash flow projections and analysis
Retirement Planning

Estate and Wealth Planning

  • Attorney coordination
  • Third-party estate plan audit
  • Title and beneficiary audit
  • Irrevocable trusts facilitation
  • Family meetings (coordinating these for legacy planning)
Estate and Wealth Planning

Education Planning

  • College savings plan
  • Student debt payoff strategies
  • Tuition payment strategies
Education Planning

Philanthropic Planning

  • Giving strategies
  • Giving vehicle recommendations
  • Legacy gift planning
Philanthropic Planning