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Knowledge is power. While working diligently to provide you with a financial plan based on your unique situation, we are equally committed to enriching your financial literacy. As advocates of continuing client education, we seek to empower our clients with a total understanding of their individual strategies. Throughout our relationship, we will continue to enhance your knowledge and encourage ownership of your financial life.
In addition to planning for tomorrow, our advisors can help you with the needs of today. For both long-term advice and short-term solutions, we are your stewards for financial leadership.
Budgeting
The blueprint for your financial security.
Setting a sound budget is essential to any successful financial plan. Through our online tools and resources, you can quickly build a budget that takes into consideration your lifestyle needs and future goals.
As for paying down debt? Though it can be a challenging process, eliminating debt is an investment. By reducing what you owe, you help prevent interest from accruing. It’s essential to target the debt with the highest interest rates first, then work your way down.
As always, the right budgeting and debt strategies depend on your unique financial situation. Give us a call to get started.
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Investing
Strategies for increasing your wealth.
In the world of financial planning, investing is the primary way to grow wealth. It’s about taking what you’ve earned and identifying opportunities to increase it with the least amount of risk.
Though one-size fits all strategies may be the common approach, we specialize in tailoring investment plans to fit your current situation while providing a foundation for future growth. We believe successful investing is predicated not on timing markets, but rather, devoting time in the markets.
We also believe your goals, business commitments, and family situation deserve unique strategies that are customized to you and adaptable to change. When your life evolves, so will your investment strategies...
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Insurance
Ensuring your longevity in every circumstance.
Are you and your loved ones protected from the unexpected? While buying insurance does not come without a cost, it is vital to the total well-being of your financial plan. It preserves your health, your life, and your assets in ways no other strategy can equal.
Whether you are single, married, or the parent of children, you must determine the kind of insurance coverage needed to protect your future. The majority of “what if?” questions end in insurance solutions.
Uncertainty is a part of life. As a comprehensive financial planning firm, we have access to a full suite of insurance policies, including life, disability and long term care insurance for the continued protection of your assets. While monitoring your existing policies to guard against loopholes, our advisors will seek new opportunities to defend what you’ve worked so hard to achieve...
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Buy vs Lease
Choosing the right wheels for your world.
Driving is an integral part of your lifestyle. If you’re in the market for a new car, you need to be familiar with the key differences between buying and leasing.
The choice depends on your values and expenses. If you enjoy driving a new car every few years, prefer to put little to no money down up front, and keep your annual mileage below 10,000, then leasing is a viable option.
If, however, you prefer to own your car and get the full value out of the purchase (with no mileage limits), buying may be the better choice. Once you pay off the loan, it becomes entirely your own. At PlaniFy Wellness, we can do a total cost analysis and help you determine whether leasing or buying best suits your financial situation...
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Stock Options
Maximizing your money through the stock market.
Don’t be confused by your stock options. When used correctly, they can be very valuable to you and your family. Here are some of the key terms you will encounter in your employee stock option plan:
- Grant price (or exercise price/strike price) – this is the specified price at which your stock option plan determines you can buy the stock
- Issue date – the date on which the option is given to you
- Market price – this is the current price of the stock
- Vesting date - according to the terms listed in your employee stock option plan, this is the date you can first exercise your options
- Expiration date – this is the date by which you must exercise your options before they expire
When it comes to exercising your options, there are many factors to take into consideration. While market volatility, investment risk and tax planning are important areas to assess, your personal financial situation and needs always come first. At PlaniFy Wellness, our experienced advisors can you help you take command of your stock options and maximize their potential...
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Unexpected Expenses
Building your nest egg for the future.
Just last year, America’s total credit card debt nearly reached $1 trillion. With the average indebted household owing over $8,000, how can consumers deal with unplanned expenses?
Advanced planning provides the means to unify all aspects of your financial life. Though comprehensive strategies strive to defend your current situation from unforeseen changes, they are flexible enough to adapt to unexpected costs. It’s about having the foresight and discipline needed to avoid problems in the future, whether they stem from credit card debt problems or a loss of employment.
That’s why our advisors insist on clients developing emergency funds and enhance their retirement plans so they are prepared for all circumstances. This includes taking advantage of health and disability insurance opportunities. As a recent studied revealed, unexpected medical expenses are a primary cause of personal bankruptcy.
PlaniFy Wellness builds comprehensive strategies to protect clients from sudden change. Through custom insurance strategies and forward-thinking retirement plans, we give our clients confidence in their financial security...
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Optimize Health Care Savings Accounts
Your employers benefits package offers the opportunity to use a health care savings account, this is a individual decision so the question of how do you optimize your use of a health care savings account...Read More
Healthcare Expenses in Retirement
Healthcare strategies and expenses are some of the most hotly debated issues within the financial planning community as well as political and Societally...
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Long-Term Care Strategies
Every family regardless of financial status should develop a long-term care strategy well before it becomes a crisis topic...Read More
