I’m Tim Haas, CFP®
CERTIFIED FINANCIAL PLANNER® Professional
CERTIFIED INVESTMENT MANAGEMENT ANALYST®
RETIREMENT MANAGEMENT ANALYST®
Learn how holistic financial planning can help you enjoy a worry-free retirement.
I'm founder and principal financial advisor at Waypoint Financial Planning, an independent, fiduciary financial advisory firm primarily serving East Coast clients.
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What is Holistic Financial Planning?
Holistic Financial Planning considers the many facets of
wealth accumulation and distribution
aligned with your timing and goals.
Household Balance Sheet
When considering your wealth, there is more to measure than how much money you have. That's important, but we rely on much more than just the dollars we have to create an enjoyable and fruitful life.
Take stock of your household balance sheet
Financial Capital: your savings rate and the funding in your accounts and the types of accounts you have
Human Capital: your ability to continue working - even part time, and you desire to make a contribution to others - even charitably
Social Capital: resources from the relationships you enjoy, possibly children, friends, family and church
Understanding your resources and consumption are key elements of a sound approach to your financial plan.
You need to reserve some time with your advisor to share the facts and more importantly, build a professional relationship. Your advisor should be empathetic and take time to understand your unique situation, so that he can develop a holistic financial plan that meets you where you want.
In contrast, financial product salespeople potentially aren't licensed to address all areas requiring advice. They prefer a quicker pace. The financial system allows this approach, because many people believe they know exactly what they want. We find that folks that manage their own plan and seek products they've researched and pre-selected, like to move quickly. That's not us. We want to understand the numerous variables affecting decisions and possible outcomes, so that we can make truly beneficial recommendations.
However, we believe, along with our clients, that there is value in establishing a shared understanding along with technical analysis, projections and advice that aligns with your goals.
We help by
Holistic Focus Areas
The challenge with many other financial service providers is they deliver only one or a few solutions without surveying your whole unique situation. How does one solution choice affect other elements of the financial plan?
Holistic planning addresses six focus areas and their influences among each other
Investments and your risk tolerance, but risk related to timeframes when you need the funds for income.
Insurance planning considers what types of insurance might fortify your plan, like life insurance, annuities, disability.
Estate planning to leave heirs, relieve them of burdens managing your estate. Trusts, wills, powers of attorney and health care directives. Also, charitable planning.
Tax planning and management. This addresses the types of accounts: Pre-tax, Post-tax and tax advantaged with the objective of reducing taxes over your lifetime.
Social Security maximization
Demistifying Medicare Advantage and Supplement plans and assisting with enrollment in Medicare Parts A, B and D
We use a Unique Approach called
The Bucket Plan® process
107 Church Hill Rd Blidg A, Ste 1B
Sandy Hook, CT. 06482
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PC maintains clients. PC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Waypoint Financial Planning and PCA are separate, non- affiliated entities.
PCA does not provide tax or legal advice. (Insurance and Tax Services, etc.) offered through Waypoint Financial Planning are not affiliated with PCA.
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