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A Personal Financial Plan
Holden Financial Planning looks at your life holistically providing a financial plan meant to give you peace of mind and encourage you to achieve life goals. These plans are detailed with the fee directly connected to your needs and the complexity of your situation. Some of the areas that can be covered: review of goals, cash flow, debt management, stock option/ESPP analysis, lump sum vs. lifetime annuity, 401(k)/403(b) rollover strategies, investment, college, tax, long-term care, estate, and retirement accumulation/distribution planning. Plans are evolving documents, which should be updated periodically. Annual check-ups keep you on track to achieve your goals.
Real-Time Financial Planning Session
Do you have financial questions that have been bothering you? Have you delayed seeking help because you don’t know where to go for unbiased advice?
Holden Financial Planning is here to help. This service offers a working face to face meeting (HFP will incur some preparation time outside this meeting) followed by appropriate reports completing the engagement in 2 1/2 to 3 hours. It may be possible to cover 2 topics in this session.
Examples of possible topics:
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Insurance needs analysis
Cash flow spending plan
When can I retire? (not a detailed plan)
Mutual fund & investing basics
Estate planning basics
Advantages & disadvantages of trusts
Debt pay down schedule
Newlyweds |
College funding strategies
Can you afford to buy a home?
Investment asset allocation review(not appropriate for large and/or numerous accounts )
Determine your risk profile
Select employment benefits best for you |
Implementation
1. On-Going Life Planning Program (OGLPP) – You engage HFP‘s services on an on-going hourly basis in order to achieve your life goals. Professional portfolio management including Socially Responsible Investing (SRI). Also HFP assists in saving for major expenses such as college and retirement, cash flow management, long term care options, including elderly parents, tax, protection, and estate planning.
2. Client Implementation Program (CIP) – HFP assists in setting up new accounts and executing investment recommendations. Additionally the firm can provide guidance for insurance, estate plan, real estate and other implementation.
3. Self-Directed Client Program - You implement the plan, whether investment, insurance, estate, college, etc. Under this option, the firm is not implementing the plan; the client accepts the responsibility to follow through.
For Employers
Holden Financial Planning’s seminars are designed to enlighten and enhance your employees’ understanding and management of their personal finances. Such advice can boost morale, raise productivity, and keep your company as an employer of choice. You will be responding to what has become an acute need – employee education.
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