Comprehensive Financial Planning
If you’d like holistic guidance on your finances and investments, this may be the service for you.
Throughout the course of working together, we will tackle the various areas of finances that affect you. Here’s a depiction of the areas that may be covered:
While every area may not apply to every person, the purpose of the Circle of Financial Health is to encourage an all-around healthy financial life in which each area is at least considered, and then the ones that are more impactful to that person are addressed in depth.
If you’d like to dig into the Circle of Financial Health a bit more, check out this video:
As a Comprehensive Financial Planning client, you’ll have a number of meetings with us in order to cover all the applicable topics.
The initial engagement of about six months includes a high-level analysis of the applicable areas of your personal financial picture.
After that, you can continue as a client to receive ongoing help with implementation, investing, tax planning, and guidance on all the other applicable areas of the Circle of Financial Health, or you have the option to end the contract and implement things on your own from there.
Unlimited Access
An important aspect of this service is that clients get unlimited access to us. Financial planning is a process, not an event. Unexpected things happen, and we are here for our clients when they need us.
The Comprehensive Financial Planning service accommodates regular ongoing reviews of key financial areas, but you can meet or speak to us as often as is necessary to help you make important decisions and accomplish your financial goals.
All-Inclusive Approach
Together we will design an all-encompassing strategy that takes into account every aspect of your finances.
No Product Sales
We don’t sell any financial products nor do we receive any commissions. We are fiduciaries. Our complete focus is on what is best for you.
Investment Management
With this service, you get access to both our:
(1) Comprehensive Financial Planning services
and
(2) Investment Management services.
With Investment Management, you have the option of Spencer Financial Planning taking direct management of your investment accounts, so that you don’t have to manage them yourself.
Click here for more information on Investment Management.
Pay-It-Forward Gift
A unique aspect of this service is that at your one-year anniversary with us, you become eligible for a Pay-It-Forward Gift if you renew for another year.
With a Pay-It-Forward Gift, you get to gift a Financial Check-Up to an individual or family of your choosing. Spencer Financial Planning will perform this service for them, completely free of charge.
This can be a fantastic gift to a loved one who may not otherwise have access to financial advice, or perhaps for someone who is just getting going in their financial life to point them in the right financial direction.
Pricing / Fees
So, what’s the fee?
The Comprehensive Financial Planning fee for the first three months is normally $4,900, though it could be up to $8,900 for more complex situations.
Thereafter, your fee will be unique to you and your financial situation. We’ll have to learn more about you in order to quote the fee. Depending on various factors, the fee may range between:
$1,800 - $7,500 per quarter
If you’re interested to learn what the exact fee would be for you, the first step is to schedule a free, no-obligation, 15-minute call with us.
Just click below to get started.
Your future self will thank you.