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Financial Planning

Comprehensive Financial Planning

We understand that personal finances are just that – personal. That is why we take a comprehensive approach to our financial planning. Our thorough process starts with getting to know you, your goals, and your hopes for the future. By understanding your current situation, we are able to create a custom financial plan that encompasses education, retirement, estate planning, and every other facet of your financial future.

What is Financial Planning?

Financial Planning is a collaborative process that helps maximize potential for meeting life goals. The process typically starts by collecting qualitative and quantitative information to create a clear picture of your net worth and cashflow. Goals are then established, and a plan is created to create a pathway from where you are currently to where you want to go. Financial plans involve cashflow supervision (budgeting), appropriate investments, risk management, estate implications, and tax strategy.

Hamilton Wealth Financial Planning Process

Step 1: Understand You and Your Goals

We will take time to obtain and analyze relevant information to achieve a comprehensive understanding of your current course of action. We will then work with you to identify and develop priorities, goals, and personal or family ambitions. This foundation allows us to make thoughtful decisions together that are in your long-term best interest.

Step 2: Develop & Present Recommendations

Our team will then aggregate the data received to create and present a plan that is designed to maximize the potential for meeting your goals. This includes an analysis of your current as well as alternative courses of action. As part of this process, we will inform you of all assumptions and estimates used to develop your financial plan.

Step 3: Implementation

After we have worked with you to determine the best course of action, we will begin to implement the plan. This step involves creating an investment portfolio that is strategically structured by our investment team to meet your unique needs and risk tolerance.

Step 4: Ongoing Monitoring

Our responsibility is to continually keep you informed through transparent reporting and proactive recommendations that are aligned to your goals and objectives. When you have questions, we will be there to find the right answers for you.

Financial Planning Services & Analysis

  • Tax Projections: Our team can help you make informed decisions on RMDs, Roth conversions, disposition of assets, capital gains, and more.

  • Education Planning: While often overlooked, college can be a significant expense for many. Our advisors can project your estimated savings need and provide tax efficient ways to save.

  • Insurance Analysis: As part of our financial planning process, we will evaluate your current risk coverage and make any recommendations needed to protect your financial plan. Because we are Fee-Only, we will not receive commission or any other compensation if you decide to purchase additional insurance coverage.

  • Business Planning: Managing personal and business finances can be challenging. We can help you integrate business and personal planning to optimize both. This may include implementing an appropriate business retirement plan.

  • Social Security Analysis: When should you claim your Social Security benefits? We will evaluate your plan to choose a strategy that fits your income, assets, marital status, and financial goals.