Financial Planning

We provide fee-based financial planning and advice to individuals, families and businesses regardless of their net worth, income, or the amount of assets they have available to invest. Our clients have the flexibility to work with us on a one-time or an ongoing basis.

It is our mission to help make sense of the complicated world of personal finance by providing clear and effective financial planning.

Here are some frequently asked questions that we will answer as we devise a plan that is right for you regarding:

Income & Cash Flow

Am I earning enough money to meet my goals?
How much can I really afford to save each month?
What is the right amount to keep in my emergency cash reserve fund?

Tax Planning

Are there other ways I can reduce my tax liabilities?
What tax advantaged vehicles can I use for retirement?
What is the best strategy for withdrawing from my IRA accounts?
What is the most tax-efficient way to save for my child’s education?

Insurance & Protection

How much insurance do I really need?
Is my current insurance coverage adequate?
What is an umbrella policy and do I need one?
When does it make sense to forgo insurance and self-insure?
Should I purchase disability protection?

Investments

Are my investments performing well enough to meet my goals?
How can I take less risk?
Which investments should I contribute to within my work retirement plan?

College Planning

How much will I need for my child or grandchild’s education?
Does a prepaid tuition plan make sense?
Should I put all my college savings in a 529 plan?

Retirement

How much money will I need when I retire?
Am I on track to meet my retirement goals?
How can I create an income stream during retirement?
At what age should I take my Social Security benefit?

Estate Planning

What kind of legal documents do I need?
Should I have a will, a trust, or both?
Do I need a power of attorney?

Housing / Real Estate

How can I minimize my risk when investing in real estate?
Should we refinance our mortgage? Should we pay off our mortgage?
Does it make sense to rent or own?

Pricing for Financial Planning

We offer the flexibility of two options for our financial planning services. Our comprehensive financial planning service covers the major areas for one all-inclusive, discounted fee. And for those focused on specific financial goals such as retirement, insurance and protection, or saving for college, we also offer specialized planning at an hourly rate.

Here are a few of our sample financial planning packages*:

Comprehensive Financial Plan (15-20 hours)
Retirement Plan (4-5 hours)
Insurance Review (2-3 hours)
Social Security Analysis (1-2 hours)
College Savings Plan (1-2 hours)

*please note that these packages are estimates, and actual times and rates may vary between clients.

Whether you have a few questions, or many, we would be happy to speak with you. We offer all our clients an initial complimentary consultation in which we will provide a crystal clear quote of the number of hours and total cost of your financial planning service. You will not be charged for this initial consultation and we will tell you exactly how much you will be paying to work with us.

If you have questions about becoming a client, or would like to schedule a complimentary consultation please email andrew@waxmanfinancial.com or call (786) 763-3739.

Financial Planning

Pricing for Financial Planning

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