Signal Financial Planning, LLC is a fee-only firm providing financial planning and investment management services. Our goal is to help simplify the financial decisions faced by individuals and their families. Whether your concerns are about insurance, retirement, taxes or investing, we wade through the complexities and help guide you to quality decisions. No matter where you are in life, and no matter where you’re headed, we’d enjoy the opportunity to be of service to you and your family.
Comprehensive Financial Planning
Financial planning covers a lot of topics, many of which are often overlooked – or delayed until problems arise. The process starts with a thorough understanding of each client’s current situation and their goals for the future. We also need to understand the pressure points – the things keeping them up at night. We then discuss strategies for investment management, risk management (insurance), tax planning, employee benefits, estate planning and college planning (as needed). The result is a personalized financial plan designed to help clients make decisions in service of their goals. And perhaps relieve some of the pressure points too.
Retirement Planning
Planning for retirement is about making sure you don’t outlive your money, and so much more. We cover much of the same ground as in Comprehensive Financial Planning, but with an eye towards managing the transition into retirement. We discuss when to start taking your Social Security benefits, making the transition to Medicare, reallocating your investment portfolio, the pros and cons of long-term care insurance, and how to efficiently pass on your assets to the next generation. And more. We want to provide peace-of-mind as you embark on the next chapter of life.
College Planning
Most parents want to pay the entire cost of their children’s college education. But should they? College expenses can easily exceed $100,000 over a four-year period, placing an enormous burden on parents, especially those with more than one child. Our job is to help find the right balance, allowing you to financially support your children while not derailing the rest of your goals. Further, we’ll help you navigate the complexities of college investment accounts, allowing you to build a tax-efficient college fund that doesn’t thwart your child’s ability to qualify for financial aid.
Ongoing Asset Management
Some people prefer managing their own assets, while others choose to have a qualified financial professional handle the task. Ongoing asset management is NOT a requirement to work with us, but we’re happy to offer this service for those who request it. However, if you’re looking for an asset manager who trades frequently, follows the latest fads and disregards your personal tax situation, you best look elsewhere. We create simple, low-cost and tax-efficient portfolios that honor your goals and personal tolerance for risk.
