Is your money working harder than you?
Because it should be.
As a CFP® professional, we’re here to help:
Simplify complicated concepts/ scenarios for you to make more informed decisions
Get the most out of life with your money
Find balance in enjoying your life NOW while saving for your ideal future
Ensure you feel calm (and excited!) about your financial future
Optimize your assets to maximize tax savings & grow consistently for your unique goals and priorities
Monitor and adjust your financial plan to stay on track when life changes
Our Holistic Approach
1.
Discovery
What’s on your mind and what do you want for your life?
This is the first and most important question where it's all about understanding you and your life goals and priorities.
2.
Analysis
Once we have a deeper understanding of what matters to you, we’ll get to know your current financial situation to figure out how you can get to where you want to go.
3.
Recommendations
After reviewing and summarizing your current finances, we’ll come up with recommendations and show you the big picture on the things we can work on together.
This is also when we will provide you with possible plans to choose from based on the financial planning services you need.
4.
Implementation
According to your priorities, we will tackle one area at a time and implement our plans layer by layer and explain to you how each part makes sense and plays together.
We’ll guide you step by step towards a brighter financial future.
5.
Periodic Review
They say the only constant in life is change.
Once we have a solid plan in place, we will continue to review with you regularly and adjust our plans accordingly as your life and goals change.
Our Pillars of Financial Planning
All-Around Tax Planning
Optimize your asset allocation (which accounts/ investments your money is at) based on your priorities to save as much taxes as possible
Analyze how your decisions will impact your current and future tax obligations
Assess the right timing of purchasing/ selling your investments to minimize your taxes
Plan ahead for the most tax-efficient way to withdraw from your assets in the future while maximizing government benefits
Asset Growth Management
Compare the performance and analyze the risk vs reward for various investments to determine the most suitable option for your goals
Actively manage a well-diversified investment portfolio that aligns with your goals and risk tolerance
Review your existing portfolio from work or privately to make sure you’re properly diversified for the best and most consistent returns
Monitor and review the portfolio performance with you regularly and make adjustments as needed
Wealth Protection
Identify the financial risks that can potentially disrupt your future plans
Assess the income you need or ideally want in the event something unexpected should happen
Review your existing insurance coverage from work or privately to see if it meets your needs
Develop strategies to safeguard your financial future in the most cost-effective way
Property Planning
Figure out a savings strategy to accumulate down payment for your next home
Evaluate your mortgage needs and options to create a suitable budget for property purchase
Analyze your current and future cash flow to make sure you can still live comfortably when owning a home
Develop a mortgage payoff strategy to save thousands in interest and pay your mortgage off years earlier