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Every journey begins with proper education and guidance, and we are pleased that you are beginning your financial voyage with us. Our goal is to deliver superior services to meet your specific needs.
Topics
Do you ever wonder...
- If you are on a positive financial path?
- Where to stash your short, mid-range and long-term cash?
- How to care for aging parents while raising children of your own?
- When to purchase life, disability and long-term care insurance?
- Why financial planners have traditionally ignored you?
Real-Time Advising
The SHINE Session is a real-time, interactive meeting. You ask urgent financial questions and receive immediate professional answers.
Until now, you had few choices other than hiring a full-time asset manager or paying for an entire financial plan. However, the SHINE Session provides you with an opportunity to set the agenda, meet for two hours with a CERTIFIED FINANCIAL PLANNER™ professional, and to take home specific action items.
Based upon our five Keys to SHINE, the real-time SHINE Session is ideal for young professionals and other Atlantans seeking immediate answers to specific financial questions and life events, such as: savings & investments, debt management, insurance analysis, birth/adoption of a child, job change, or an upcoming wedding.
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Who's It For? |
| Secure the Hull – Get your financial life off to a good start. |
20- and 30-somethings, the Degree Rich, Money Poor™ |
| Clear the Galley – Pay off debt. Get control of your cash flow. |
Anyone with too much debt, too little savings |
| Swab the Deck – Analyze and repair your credit reports and scores. |
Anyone looking to protect their assets |
| Map the Course – Allocate your 401k (or 403b) holdings and contributions. |
Investors seeking advice on company-sponsored plan |
| Inspect the Sails – Review and allocate your portfolio investments. |
Investors interested in revamping an out-of-control portfolio |
| Prepare for Icebergs – Analyze your insurance (life, property, and liability) needs. |
Anyone interested in protecting their assets |
| Anticipate Turbulence – Plan for college and other major expenses. |
Parents (& others) paying for college and other high-cost wants & needs |
| Set the Anchor – Determine a home mortgage amount that you can reasonably afford. |
Home buyers, especially first-timers |
| Enter the Shipyard – Review all aspects of your financial life. |
Anyone seeking a comprehensive financial review |
| Chart Your Own Course – Other questions that do not map to a specific service. |
Anyone seeking custom financial planning needs and/or advice on an ongoing basis |
Give the Gift of Financial Planning – Offer financial planning services to your loved ones during their important life events.
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Anyone with friends and family who are graduating from college, starting a new job, getting married, expecting a baby, and/or planning for a retirement. |
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Secure the Hull |
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| The hull is a ship's body or frame. Proper construction and strength here provides insight into how well the vessel will perform over the long haul. In financial planning, time is money, and a solid financial framework in life's early stages dramatically increases the chances you'll meet your goals. |
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| Question(s) Addressed |
How do I get my financial life off to a good start? I made some early mistakes in my college years...what can I do to get back on track? |
| Who's it for? |
20- and 30-somethings, the Degree Rich, Money Poor™ |
| Areas Reviewed |
Cash flow, debt, insurance, investing, savings |
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Contact us to get started today! |
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| Clear the Galley |
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| The galley of a ship is intended for storage of food and supplies that will be used during a voyage. However, without proper cleaning, the galley can become cluttered from the journeys of years past. It's important to monitor and regularly clear the galley space in order to travel most efficiently. Similarly, cleaning out your credit history and monitoring monthly cash flow are essential preconditions for meeting personal financial goals. |
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| Question(s) Addressed |
How do I pay off my debt? How do I get control of cash flow? |
| Who's it for? |
Anyone with too much debt, too little savings |
| Areas Reviewed |
Cash flow, debt, savings |
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Contact us to get started today! |
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| Swab the Deck |
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| A swab is a yarn mop. Sailors on fishing boats used to swab the deck many times in a day to wash up splashes, spills, and the smell of fish. This kept the boat clean. In financial planning, your personal credit files also need continuous swabbing in order to prevent identity theft, improve credit scores, and wipe up the fishy smell of reporting errors. |
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| Question(s) Addressed |
How do I repair my credit reports? What are my credit scores and how can I raise them? |
| Who's it for? |
Anyone looking to analyze and/or repair their credit |
| Areas Reviewed |
Credit |
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Contact us to get started today! |
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| Map the Course |
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| Once your financial ship hits the open seas, you'll encounter sounds, bays, and straits while battling whatever storms Mother Nature supplies. By Mapping the Course, we'll examine your company-sponsored retirement plan, with an eye toward selecting the combination of investments that will allow you to weather the various economic conditions you'll likely see between now and retirement. |
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| Question(s) Addressed |
How do I allocate my 401k, 403b, etc., holdings and contributions? |
| Who's it for? |
Investors looking for advice only on their company-sponsored plan.
NOTE: Inspect the Sails is designed for investors whose investment assets include more than a company-sponsored plan. (i.e. You also have 1 or more old 401k's, Roth, traditional, and/or Rollover IRAs, brokerage accounts, annuities, etc.) |
| Areas Reviewed |
Investments |
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Contact us to get started today! |
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| Inspect the Sails |
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Sure you could row the boat from continent to continent. But why not let the prevailing winds help? The first thing you must do is take a look at your sails and ensure they're ready for the epic voyage.
In this age of frequent job changes and multiple types of accounts for multiple goals (retirement, college, etc.), it's not uncommon for a portfolio to end up bloated with multiple accounts and random investments with no clear overall objective. This in-depth review will hoist your portfolio into position to meet your goals. |
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| Question(s) Addressed |
How do I rebalance my investment portfolio? |
| Who's it for? |
Investors looking to revamp an out-of-control portfolio |
| Areas Reviewed |
Investments |
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Contact us to get started today! |
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| Prepare for Icebergs |
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| Before a ship goes out into the open water, a captain checks the route and ensures the vessel is prepared for any travel risks. In financial planning, obtaining adequate insurance coverage is a critical element of managing personal risk. |
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| Question(s) Addressed |
How much life/other insurance do I need? |
| Who's it for? |
Anyone looking to protect their assets |
| Areas Reviewed |
Insurance |
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Contact us to get started today! |
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| Anticipate Turbulence |
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Turbulence is anything that makes travel more difficult. On the high seas, this can include severe cross winds, choppy waters, and shallow inlets. By anticipating these tricky obstacles, you can continue navigating smoothly to your desired direction.
"Turbulence" acurately describes what most parents today experience when trying to save for college, a vacation, and nearly every other mid-range financial goal. And with college costs continuing to increase at a rate higher than inflation, parents' general unease is certainly valid. With "Anticipate Turbulence", we will identify your best options for affording college when the time comes, whether it's in 18 months or 18 years. |
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| Question(s) Addressed |
How do I pay for college? |
| Who's it for? |
Parents (or others) planning for college |
| Areas Reviewed |
Cash flow, debt, investing, saving, college planning |
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Contact us to get started today! |
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| Set the Anchor |
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An anchor is used to attach a ship to the bottom of a body of water at a specific point. And the anchor of most people's financial lives today is a house.
However, home buyers today are often discouraged with high prices, increasing interest rates, and competing goals. All of these factors are making the great American dream of home ownership a financial stretch for many. "Set the Anchor" helps you determine how much house you can reasonably afford (not the maximum mortgage a bank will lend you) without sacrificing your other financial priorities. |
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| Question(s) Addressed |
How much house should I purchase? |
| Who's it for? |
Home buyers, especially first-timers |
| Areas Reviewed |
Cash flow, debt |
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Contact us to get started today! |
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| Enter the Shipyard |
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A shipyard is a place where ships are built and repaired. Getting down to the nuts & bolts, shipyard work provides an up-close look at the vessel.
When you "Enter the Shipyard", the goal is to take a comprehensive look at all aspects of your financial life, identify opportunities, challenges, risks, holes in your current plan, etc., and get you on track to meet your goals for building, preserving, and/or transferring wealth to the next generation. |
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| Question(s) Addressed |
I'd like to make sure I'm on track with respect to all areas of my financial life. |
| Who's it for? |
Anyone seeking a comprehensive financial review |
| Areas Reviewed |
Cash flow, debt, insurance, saving, investments, retirement planning, college planning, estate planning, and more. |
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Contact us to get started today! |
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| Chart Your Own Course |
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| Sometimes you just want to hoist the sails and set out on your own unique voyage. Just remember, if you ever have any questions/issues that aren't described above, just send out a rescue beacon. We are always available to help. |
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| Question(s) Addressed |
I'd like advice on personal financial questions that don't exactly map to your service offerings. Can you help me? |
| Who's it for? |
Anyone with custom personal financial planning needs |
| Areas Reviewed |
Can include cash flow, debt, insurance, saving, investments, retirement planning, college planning, estate planning, and more. |
| Typical Fee |
Depends on number of hours required to complete requested work. |
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Contact us to get started today! |
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Give the Gift of Financial Planning
Life’s major decisions have a lasting impact, and important financial concerns are often overlooked when your loved ones are: 
- Graduating from college
- Starting a career
- Getting married
- Having a new baby
- Changing jobs
- Nearing retirement
Gift Differently
Offer your friends and family something more meaningful. Give them peace of mind and the opportunity to secure a positive financial future.
For the recipient, there are no products to buy and no accounts to set up; just the time and expertise of a CERTIFIED FINANCIAL PLANNER™ professional to help steer them onto the correct financial course.
A certificate for one or two hours of time is ideal, and the session can either be tightly focused or a less formal “rapid fire” style Q&A session covering multiple topics.
Our most common concerns with gift recipients often include:
- Debt and credit management and repair
- Allocating retirement plan contributions among investment choices
- Estimating college education expenses, and how to fund them
- Developing a spending and savings plan
- Obtaining a second opinion on an investment portfolio
- Making a pension lump sum decision
- Deciding how much and what type of insurance to buy
Simply Wrap It, and You're Done
We will mail you a high-quality gift certificate that you can wrap and give to your loved one during the big event. The certificate fits inside of a standard envelope and includes space for your name and a personalized message for the recipient. As a bonus, if you already know what you want to say, just tell us and we’ll happily print the message on the certificate for you. |
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| Contact us to learn more and to purchase gift certificates for your loved ones today! |
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