A CUSTOMIZED PLAN THAT’S RIGHT FOR YOU
The goal of our planning process is to create a “map” of investing and financial actions that will get you safely from Point A, where you are now, to Point B, where you want to be in the near-term and to Point C, where you want to be in the long-term future.
We provide personalized attention to the details of the plan, so it fits with who you are and what you want to accomplish, and with the least amount of stress. We make sure that it gets done.
Along the way, we coordinate with your other advisors – your accountant, attorney and insurance agent—to make sure everybody is on the same page and the overall plan is protected, consistent and efficient.
AVOIDING POT HOLES
Avoiding big financial missteps is just as important (or even more so) to your financial success as making good investments. We review and discuss everything that touches you financially.
We start with a review of your insurance coverages (property and casualty, liability, life, health and long-term care) to ensure your family isn’t unduly exposed to any risks that could derail your financial progress.
We evaluate your investments to identify risky concentrations in a single company stock, illiquid asset, or market sector, and advise on income tax strategies to help you retain a greater percentage of every dollar you earn.
STAYING ON TRACK
We believe every financial plan should be a living document that serves your changing needs – it cannot be addressed just once and then put on auto-pilot. As you move forward in your journey, your circumstances will inevitably change. You’ll achieve short-term goals and need to make new ones. The unforeseen will happen. There may be pleasant surprises; there may be setbacks.
As those changes happen, you will need to adjust some or all your well-laid plans. When you become a client of Shine, we monitor your progress on all financial fronts and help you adjust along the way to ensure you stay on track. Our financial advisory service includes phone calls and in-person meetings regularly and as needed.