The Financial Roadmap:
The initial meeting to clarify your goals, identify what is truly important to you, and gather all the information that tells us where you are today.
Action Plan:
Written, step-by-step plan recommendations and supporting documentation based on your Financial Roadmap. This includes an analysis of four key areas:
- Cash Management Analysis: Identifying your current cash reserves and a strategy to build and maintain sufficient funds.
- Debt Management Analysis: An analysis of your current debt retirement plan and a strategy to help reduce or eliminate your current debt in the most expedient, tax-efficient manner.
- Insurance Analysis: Analyzing your current risk management plan and identifying strategies based on need and cost that are appropriate for your situation.
- Investment Analysis: An analysis of your current investments and an asset allocation plan to help give you a high probability of achieving your goals.
Plan Implementation:
We will guide and assist you in implementing the Action Plan. We will prepare all the documents so all you have to do is sign your name.
The Wealth Binder:
An organizational and wealth tracking system to keep your vital documents in one centralized location and help you maintain excellent records.
Estate Plan Review:
We will work with your attorney or help you secure a relationship with a qualified estate planning attorney to review and establish your estate plan.
Tax1 Plan Review and Preparation:
We will update your CPA or tax preparer on any changes made in your wealth plan that have tax implications. If you don’t have a relationship with a CPA or other tax advisor, we can help you find one.
[1] Harvest Financial Group and Client One Securities do not provide legal or tax advice. Clients must consult with their own legal and tax advisors.
Periodic Progress Reviews:
Summarizes your assets and the progress made toward your expressed goals as well as a big picture discussion and review of your Action Plan. This also includes a refocus on your values and goals, adding new goals and developing a strategy for their accomplishment.
Securities and Advisory Services offered through CreativeOne Securities, LLC, Member FINRA/SIPC and an Investment Advisor. Harvest Financial Group and CreativeOne Securities, LLC, are not affiliated.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.
Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 21250 - 2021/8/11