At Apex, the financial planning process for our clients begins with a comprehensive audit of your needs, goals and resources – both personal and financial. Once we have a clear appreciation of your situation, we develop an in-depth financial plan. Typically, this plan includes the following elements:
- Retirement Planning – making sure that you retire at the right time with the right amount of savings so that you do not run out of money, as well as ensuring that you get full enjoyment out of the nest egg you worked so hard to create. We provide sophisticated stress testing to various retirement scenarios simulating 10,000 market environments, both good and bad, to show you the probability of having a successful retirement.
- Investment Planning - creating a portfolio of investments that are in line with your goals and risk tolerance, taking into consideration taxes and the various ways that you can invest your money including taxable or trust accounts, IRAs, Roths and other retirement plans.
- Education Planning - whether college is still years away or right around the corner, having a plan can help you efficiently use the resources available to you and allow you to seek out additional funding options such as scholarships, grants, financial aid and loans.
- Income Tax Analysis and Recommendations – making sure you take advantage of the tax saving opportunities that you are entitled so that you pay what you owe; no more, no less.
- Risk Management – confirming that you have the right insurance coverage for yourself, your family and your property.
- Estate Planning – protecting the legacy you want to leave for the people you love, assuring that your family will be taken care of in the event that you are no longer with them.
- Cash Flow Planning/Cash Management – developing a spending plan that takes into consideration both today’s needs and tomorrow’s desires. We work with you to make sure you have money available for all of life’s expected and unexpected moments.
- Debt Management – creating a plan to help you use debt wisely when needed, and helping you payoff debts that are holding you back from achieving your long-term goals.
- Business Planning – this can include various services depending on your needs including succession planning, funding, risk management, tax planning and retirement plan analysis.
Whether your financial plan includes all or only some of these elements, you can be certain that the plan we provide is a financial management blueprint tailored specifically for you.
Financial planning fees range from $1,500 to $3,800, depending on the scope and complexity of the financial plan. A full detailed description of all of our fees can be found in our ADV. To receive a copy of our ADV, please click here .