Comprehensive Financial Planning
At Sea Clear Financial Planning, our ongoing financial planning services involve implementing, updating, and revising our clients Comprehensive Financial Plan throughout the year. Through meetings our clients are able to clearly see the progress they are making towards achieving their goals. For our meetings we will review and update all Goals and Objectives. We review and update our client’s Cash Flow Analysis to make sure our clients are clearly aware of all their resources and expenses. We ensure our clients are saving the appropriate amounts given their resources and goals. We recommend our clients establish and contribute to an emergency fund. We update our clients Life, Long-Term Care, Long-Term Disability, Auto, Home and Umbrella Insurance Summaries and continuously monitor their insurance coverage to be sure it remains adequate and appropriate.
We re-run and review our clients Retirement Analysis based on their ever changing circumstances to ensure they continue to stay on track to achieve financial independence. As part of the Estate Planning process, we monitor our client’s estate planning documents to ensure they continue to be appropriate given any change in circumstances or estate tax laws. We work with our clients to update their Estate Planning Document Summary and their beneficiary designations so it clearly lays out exactly who they have chosen to carry out their wishes. We will schedule and attend any meetings with an estate planning attorney to either draft or review current estate planning documents. For those individuals interested in education planning, we will set up the appropriate funding vehicles and regularly monitor the savings amounts and investment vehicles.