Wealth Planning
Wealth Planning is a client-centric approach to financial planning reflecting on your priorities and specific life circumstances. Life is so much more than the performance of an investment portfolio or transactions. Likewise, there is more to a wealth plan than just an investment portfolio strategy. While living life you have many things to plan for personally and financially today, tomorrow and well into the future. Wealth planning is a process that we at SJF Investment Management and our clients embark on together.
Our team will develop strategies designed for the present, while helping you reach your near- and long-term goals. We believe adopting a systematic approach that focuses first on your personal goals and aspirations as well as your financial goals will improve the chances of achieving the future you envision.
Wealth Planning includes coverage in key areas of your life:
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Net-worth analysis
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Cash flow planning
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Strategic asset allocation
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Retirement planning
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Education planning
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Trust and estate planning
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Insurance and annuities
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Liquidity and cash flow strategies
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Tax planning and liability management
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The Process
Discovery
Before we get down to crunching numbers, we'll talk about the things most important to you—family, community, pastimes, church, etc. We’ll ask a lot of questions about what you’re really thinking, feeling, worried about, your experiences with money, and what you've accomplished so far. Together, we’ll figure out where you are now.
DISCOVERY
Planning
Based on what we discuss in the Discovery phase, we will assess your personal situation, gauge where you are, now, relative to your life goals and priorities, and consider what gaps exist. We will weigh the financial implications of each goal we discuss and construct the framework for a plan that supports them.
PLANNING
Solutions
The benefit of a holistic planning process is it provides a comprehensive view of all areas of your financial life. During this phase, we will recommend specific solutions to help match each of your goals. This is where we implement your customized plan.
SOLUTIONS
Monitoring
Just when you make plans, life happens—and events large or small can change everything. The monitoring stage incorporates tracking systems to keep your plan on target. We'll help you plan for the unexpected, anticipate change, and adjust plans over time, as necessary.