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Financial Planning

Understand Your Unique Situation and Devise Plans to Meet Your Goals. 

Let’s Chat for a Few Minutes to Get Acquainted.

Take the next two steps:

1) Expand the Solution Areas Below, then

2) Make Note of Your Key Areas of Concern

  • Explore Your Dreams and Aspirations

  • Establish Meaningful Financial Goals

  • Organize Your Financial Life – Key Documents Investments, Bank and Insurance – on One Easily Accessible Website with Valuable Charts and Reports

  • Learn How to Communicate with Your Financial Adviser Using Risk Tolerance, Time Horizon and Financial Objectives

  • Compare Costs and Fees Associated with Different Investments Types and Investment Managers

  • Discover that Investment Managers Have Different Styles and Identify One or More That Meet Your Criteria

  • Discover the Benefits from Investing in a Well-Diversified Portfolio and the Benefits of Engaging Professional Management of Your Investments

  • Review the Pros and Cons of Rolling Over a 401(K) from a Previous Employer to an IRA

  • Keep in Touch with Your Adviser, Who Sends a Weekly Financial Updates and Monthly Performance Review

  • Enjoy Periodic Scheduled Calls Where You Review Your Investment Performance and Make Adjustments

  • Understand Benefits of Tax-Favored Accounts

  • Evaluate Complex Financial Products to Assess if They are Right for You

  • Answer the Four Retirement Questions:
    • When Can I Retire?
    • How Much Money do I Need?
    • How Long Will the Money Last?
    • What Rate of Return Do I Need?
  • Calculate the Right Amount of Savings That Would Be Required to Keep Your Current Lifestyle into Retirement
  • Strategies for Optimizing Social Security and Medicare Benefits
  • Strategies for Minimizing Social Security Taxation
  • Strategies to Maximize Pension Benefits
  • Discover When a Reverse Mortgage Could Make Sense
  • Learn Strategies to Maximize Merit-Based Aid from Your Prospective Colleges
  • Minimize Out-of-Pocket Costs for College
  • Identify Private and Federal Sources for College Grants, Loans and Scholarship Funding
  • Find and Apply to the Colleges That Best Match Your Child and Your Pocketbook
  • Learn Strategies for College Saving that Seek to Maximize Tax-Efficiency and Flexibility
  • Meet Deadlines for College Applications and Financial Aid
  • Plan Ahead with Financial Strategies and Financial Tools That Seek to Maximize Financial Assistance
  • Preserve Your “Safe Money” for Emergencies, While Still Leveraging into Significantly Higher Value Transfers to Next Generation
  • Long Term Care Strategies That Preserve Assets. Even If You Become Frail and Need Costly Care in Old Age
  • Establish an Asset Class in Your Portfolio that Provides Competitive Returns, Has No RMD Requirements, Is Liquid, and Provides Tax-Free Accumulation and Tax-Free Withdrawals in Retirement
  • Protect from Short or Long Term Income Loss from Disability
  • Discover Your Financial Personalities and Develop Financial Communication Strategies to Succeed in Your Family Relationships and in Your Marriage
  • Ensure Sound Financial Practices are Followed, Especially if the Household Money Manager Passes Away or Becomes Disabled
  • Use an Objective Third Party Professional to Broker Challenging “Money Conversations” with Spouses or Children
  • Discover and Review Your Most Efficient Sources of Funds During a Crisis
  • Obtain Quotes and Apply for New Health Insurance and Select from Best Value/Lowest Cost Alternatives
  • Strategies for Elder Care for You and Your Spouse, Your Parents or In-Laws
  • Review Advantages of Different Business Structures: LLC, S-Corp, C-Corp, Partnerships
  • Discover Employee Savings Plan Options Through Defined Contribution Plans (e.g. 401(k), Profit Sharing Plan, SEP, Employee Stock Ownership, etc.) and Defined Benefit Plans (e.g. Pension Plans)
  • Learn About Key Employee and Executive Retention Plans
  • Evaluate Owning Vs. Leasing Vehicles Through the Business
  • Compare Net Present Values of Purchase Versus Lease Arrangements
  • Analyze Business Deals Using Comparative Data Analysis and Financial Projections
  • Evaluate Insurance Options
  • Identify Savings Strategies That Seek to Increase Your Total Net Worth
  • Learn the Difference Between Good Debt and Bad Debt
  • Keep in Touch with Financial Concepts Newsletter and Enjoy Periodic Scheduled Calls
  • Establish and Periodically Review Your Household Budget
  • Implement Strategies for Daily Money Management
  • Plan for What is Expected & Prepare for The Unexpected
  • Position Financial Resources to Take Advantage of Business Opportunities Whenever They Might Arise
  • Develop a Financial Strategy That You Fully Understand and That Guides Your Decision-making
  • Understand How Your Home Equity Impacts your Overall Financial Picture
  • Evaluate Business Transition Strategies and Financing Options for Transferring Family Business to New Owners
  • Evaluate Purchase, Lease and Loan Decisions for Large Purchases
  • Devise Gifting Strategies to Children to Effectively Transfer Wealth and Minimize Taxes
  • Gift Assets to a Family Member or Favorite Charity While Not Giving Up Lifetime Use
  • Discover Pros and Cons of Various Mortgage Options
  • Preserve Your Estate for Future Generations by Working with Your Attorney/CPA
  • Build a Legacy of Generational Wealth – Your Very Own “Family Farm” – Using Life Insurance Wisely
  • Strategies for Minimizing Estate Taxes with Proper Trusts Drafted by Your Attorney
  • Define the Heart and Soul of Your Plan for a Family Member with Special Needs
  • Implement Financial Strategies with Attorney for Family Members with Special Needs
  • Obtain Objective Financial Advice and Expertise During an Emotionally Challenging Time
  • Assist in Completing Financial Affidavits for Your Attorney
  • Review Financial Projections that Show Longer Term Consequences of Splitting Certain Types of Household Assets
  • Learn How to Manage Financially After It’s Over
  • Learn Strategies for Retaining and Securing Good Credit to Ensure a Smooth Transition to Independence

Call (203) 304-9690 or email tim@waypfp.com to get the process started.

Financial Planning Service Options

Pricing

  • – Complimentary 1-Hour First Meeting
  • – Written/Authorized Financial Planning Agreement
  • – Access to Advisor for One Year from Agreement Start Date
  • – Access to your Personal Financial Portal
  • – Email Response Within 24 Hours
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  • – Phone Calls Returned Within 4 Hours During Business Hours
  • – Document Scanning to Secure Electronic Vault
  • – Research and Solutions Proposals Unique to Your Situation
  • – Account Setup Services, if Any
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If you would like a copy of a Sample Retirement Plan, please enter your information below, and we’ll email the document right out to you.