Financial Planning
A comprehensive, personalized approach to building your financial future
At SFM, financial planning is more than a service; it’s a partnership. We offer a complete, customized financial evaluation that results in a practical, forward-looking plan built specifically for your goals. Our process is highly interactive, requiring mutual trust and understanding between client and advisor. This collaboration ensures your financial plan reflects not just your numbers, but your values, priorities, and long-term vision.
We serve as fee-only fiduciary advisors, meaning our only incentive is your success. We don’t sell products, and we never earn commissions, which allows us to focus exclusively on what’s right for you.
What’s Included in Your Financial Plan
Financial Position & Cash Flow
We begin by evaluating your current financial standing, including your income, expenses, assets, liabilities, and net cash flow. This forms the foundation of your plan, helping us assess the sustainability of your habits and identify opportunities to strengthen your financial trajectory.
Retirement Planning
Planning for retirement requires more than just saving; it demands a strategy. We help you analyze:
- Social Security benefits
- Retirement accounts and investment portfolios
- Expected expenses in retirement
- Assets and liabilities
- Age and timeline assumptions
We then model scenarios to determine how best to achieve your desired lifestyle in retirement, and whether adjustments are needed today to make that vision possible tomorrow.
Education Planning
College costs are rising every year. Whether you’re saving for your children or your own education goals, we offer tailored, tax-efficient strategies to help you get ahead. Depending on your needs, we may recommend:
- 529 Plans
- UGMA/UTMA custodial accounts
- Coverdell Education Savings Accounts
- Other targeted investment portfolios
Each option is considered carefully based on tax implications, time horizon, and your personal financial goals.
Risk Management
Protecting your wealth is just as important as building it. While we do not sell insurance, we evaluate your coverage needs and risks, such as life, disability, property, and long-term care, and help you find reputable, no-load, direct-sale providers. For more complex insurance requirements, we’ll assist you in obtaining competitive quotes from independent, trusted sources.
Income Tax Planning
An effective financial plan must take taxes into account. We integrate income tax strategy into our planning by:
- Reviewing capital gains implications
- Assessing Roth conversion strategies
- Coordinating with your tax preparer or CPA
- Identifying ways to minimize lifetime tax liability
Our tax-aware planning and investment strategies can reduce unnecessary erosion of your long-term wealth.
Why Clients Trust SFM
Our planning process is collaborative, interactive, and tailored, built to adapt as your life and financial circumstances evolve.
- Fiduciary Standard – We are legally and ethically bound to act in your best interest, always.
- Fee-Only Structure – No commissions, product sales, or hidden incentives, just honest advice.
- Tailored Service – Your life isn’t one-size-fits-all, and your financial plan shouldn’t be either.
- Experienced Advisors – With decades of financial planning experience, we’ve guided individuals, families, and business owners through every life stage.
Ready to take the next step?
Let’s talk about your goals, and how we can help you build the plan to achieve them. Schedule a free consultation with one of our advisors today.
