Financial Planning

If you don’t have a map, any road will do. If you want to arrive at your financial destination on time, and not worn out from the journey, a personalized financial plan, just like up to date GPS navigation tools, will help you get there.

Your financial plan will be your road map to help you navigate the variables that will affect your financial security, such as

Lifestyle Spending
Investment Performance
Inflation
Tax Strategies*
Geo-politics
Your Health
Longevity

As you are on the road to retirement and beyond, take charge of the planning process, with the help of your advisor, so that you can better manage the journey and stay focused on your financial future.

Financial Planning Process

Step 1: Understanding Your Investment Goals and Objectives

The first meeting is to get to know you and your goals. At that meeting, I will describe the planning process in detail based on your unique needs. As you know, there is no charge for that meeting, nor any obligation or pressure to move forward. Risk Tolerance Questionnaire

Step 2: Developing an Asset Allocation Strategy

Next, we collect the additional material needed using Financial Planning Checklist. From this we create a draft plan that we would discuss at the second meeting. At that meeting, we will discuss when you would like to retire, at what income level, accounting for the variables that will affect your financial security in retirement, like taxes, inflation, government fiscal and monetary policy, investment markets and your health. If you are curious about any other type of investment, policy, or asset that you own, feel free to bring it up.

Step 3: Recommendation and Implementation

At the third meeting, We will go over the final plan output and a detailed executive summary with recommendations. This version will create a benchmark against which to compare possible results in future years. This process helps make the projections more accurate over time.

Step 4: Review

We will establish a regular review cycle to explore developments which may affect your plan, and ensure you are on-track to realize your financial goals.

* Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.