If you’re even asking that question, the answer is “you”! Everyone benefits from having a financial planner. You may need a holistic financial planner if you’re wondering, “What the heck do I do with my money?” On the flip side, even if you’re more experienced with managing your money, a holistic financial planner could help you imagine answers to questions like, “What’s next? What’s possible?” Think of us as your financial fairy godparent, helping you put intention behind your money, and making your dreams and wishes come true.
At Thinking Big Financial, holistic financial planning is about seeing the bigger picture of how money functions in your life. It’s about helping people use their money with purpose, so that they can build meaningful lives.
We’ll take a look at your financial situation, short- and long-term goals, and anticipated changes to your lifestyle. We’ll shine a light on your goals and dreams you didn’t even know you had. Depending on your needs, we can help you come up with a spending plan, a risk management strategy, and even an estate plan. In our discussions, we’ll help identify strategies, risks, and opportunities that you may have never considered. We’ll create a clear roadmap for your financial journey. We’ll assess our recommendations together so you feel completely comfortable with moving forward.
Using holistic, long-term, collaborative financial planning drives our work in aligning your wealth with your life’s vision. Your money isn’t separate from the rest of your life, so why should your financial planning be any different?
Building relationships is just as important as building wealth. When you work with us, you’ll have a long-term, accessible collaborator and partner by your side.
As collaborators, we’ll bring our financial expertise to the table while also learning from you, the expert in your own life, about your values, goals, and aspirations. We listen to what you need to create a well-structured financial plan: Do you want or need to change careers? Has there been a significant life event that needs your attention? Are you expecting a change in your family or household? How do these things potentially impact your financial health?
Instead of telling you what to do, we’ll collaborate with you to develop a financial plan that is not only responsive to your life but helps you grow, manage, and protect your assets. To us, it’s not impossible to give you peace of mind and financial freedom, especially through collaboration.
Our partnerships are structured to be long-term because we know that it takes time to build a trusting, reliable relationship with a financial advisor. The deeper that relationship gets, the more familiar we are with the big picture of your life and finances. From there, we can see how your money, your daily life, and your dreams work together. And the more we can tailor our process and guidance to your life, the more we can empower you to take control of your finances.
As a fee-only financial advisor, the only cost of financial planning is a flat annual fee.
Fees for holistic financial planning are based on how much money you earn and your net worth (meaning all your assets minus your debts). Here’s how we calculate fees:
The fee is subject to a minimum annual fee of $6,000 for individuals and $8,000 for couples and multi-person households. So in other words, if your calculated fee comes out below that level, the fee is set at the minimum ($6,000 or $8,000 depending on if you are an individual or couple). Fees are paid in monthly or quarterly installments.
Example: Let’s say you’re an individual and you make $300,000 and have $500,000 of net worth. Your calculated fee would be:
Fees include all financial planning and investment management services.
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