We Partner With Two Unique Types Of Clients.

So We Provide Two Unique Client Experiences. 

We Believe You Deserve Better Than The "Typical" Client Experience

When we set out to design our client experience we began by doing extensive research into how other financial advice firms operate. We quickly realized that the traditional financial advisor models are too sales-based and complex, riddled with conflicts of interest, and ineffective in helping people achieve their goals. So we decided to create a better way.

How is HCP Wealth Planning Different?

Our Solutions Include

 

Cash Flow & Spending Analysis

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Cash Flow & Spending Analysis

Understanding how your day-to-day spending impacts the rest of your financial picture is a big step toward taking control over your finances. It’s important to ask yourself:

• How much should I have set aside in my emergency fund?
• What percent of my paycheck should I save in my 401(k)?
• How should I prioritize saving for different things vs. paying down debt?
• How much should I allocate towards fixed vs. discretionary expenses?
• How should I organize and track my expenses?

And if you’re faced with a credit score that’s less than ideal, we can help you answer:

• How can I improve my credit score?
• How can I monitor my credit score and credit reports?
• What is the best way to start building my credit?
• Should I close old credit cards?
• Should I freeze my credit?

 

Employer-Sponsored Plans Investments & Benefits

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Employer-Sponsored Plans & Benefits

If your hospital or practice offers a 401(k) or 403(b) plan, there are some questions to keep in mind:

• How should I invest in my employer savings plan?
• How do I know how much risk I should take with my investments?
• Should I contribute pre tax or Roth money into my 401(k)/403(b)?
• Should I rollover my 401(k)/403(b)?
• What steps should I take to be a successful investor?

And when it comes to understanding your benefits, we can help you answer:

• Should I sign up for the high deductible plan?
• What is an HSA?
• What is an FSA?
• How much can I contribute to my HSA and FSA?
• Should I purchase additional insurance through my employer plan?

 

Student Loan Debt

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Student Loan Debt

Most medical professionals earn a degree before entering the field, which means many are left facing significant student loan debt. We can help you understand:

• How do I determine exactly what kind of student loans I have?
• What are all of my student loan repayment options?
• What is the best income driven repayment plan?
• Which repayment plan will save me the most money?
• How much money can I actually save using an applicable student loan?

And as you work toward repaying your debt, you should be considering:

• How do I qualify for public service loan forgiveness?
• Does my state offer any programs to help me pay off my student loans?
• Which federal repayment plan makes the most sense for me?
• Should I consolidate my loans?
• How do I consolidate my loans?

 

Insurance and Estate Planning

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Insurance Planning

It’s always hard to think about the worst case scenarios, but as part of our fiduciary duty, we know it’s important to make sure you’re keeping your family, your finances and yourself protected. We’ll help answer:

• How much life insurance do I need?
• How much will life insurance cost?
• What is the difference between term and permanent life?
• Should I buy term or permanent life insurance?
• How much disability coverage do I need?
• Should I buy long term care coverage?
• How much home and automobile coverage do I need?

 

Retirement Planning

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Retirement planning

It's never too early to address the following questions about your retirement plan

• How much do I need in order to retire?
• Am I on track to retire?
• How much should I be saving?
• Should I contribute pre tax or Roth dollars to my 401(k)/403(b)?
• How long will my money last?

And as you’re preparing for retirement, we can help you address important estate planning questions as well, including:

• Is estate planning only for the ultra-wealthy
• What estate planning documents do I need and how do I get them
• What is a last will and testament
• How do I make it easy for my spouse to access all of our key financial documents and passwords when I pass away
• How do I protect my digital assets when I pass away

 

College planning

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College planning

You’ve already put yourself through college, so it comes as no surprise that earning a degree can set anyone back quite a bit. When it comes time to save for your child or grandchild to head off to school, together we can answer:

• How much will college cost?
• How can I save for college expenses?
• What are the benefits and drawbacks of using 529's, Roth accounts, and prepaid plans for college expenses?
• What happens if I don’t need to use my 529 funds?
• Can I use 529s to pay student loans?
  
  

 

Tax Planning

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Tax Planning

While we will recommend you work with a tax professional for the actual preparation of your tax returns, we’re happy to help you understand the tax ramifications of your various retirement contribution strategies, student debt repayment strategies, roth conversions, changes in income and any other strategy that could have the potential to impact your taxes year-after-year. As we work to create your overall plans and consider various solutions, we will provide a detailed 1040 estimate for both current and all future years that reflects any potential strategies that may be implemented

Investment Management Included 

In addition to helping you select the investments in your employer-sponsored retirement accounts, we strategically manage your other non-employer investment accounts when appropriate (Traditional and Roth IRAs, taxable brokerage accounts, etc).  This service is included in our Unlimited Plan along with all the above services for one simple, flat fee.  

Learn About Our Investment Approach

How Do We REALLY Add Value To Your Lives?

 We believe all the above services should be a bare minimum offering from any REAL financial advisor. While they play an integral role in helping you to achieve financial wellness, those services are just means to desired ends. Take a look below to learn how we can really help transform your lives.

Guide	Most people have a good idea of what they want or don't want out of life. What's often missing is a sense of how they can get there. We can provide you independent, objective advice  and show you the possible pathways and the trade offs involved in each financial decision.
Teach	Many people's sense of what drives investment returns comes from the day to day noise in the media. It's all about doom and gloom and whatever drives viewership. We can teach you how to stay emotionally strong during periods of volatility so you avoid mistakes that could have huge repercussions on your ability to achieve your goals.
Coach	It's easy to make financial resolutions- but then sometimes life happens and It's not so easy to keep them. We will help you ensure goal accountability by keeping you on your desired path. And no, our solution to everything isn't to spend less. Sometimes it can be quite the opposite.   As a coach, our role is to provide the financial playbook, and to put you in the best possible position to execute it.
Filter	The problem for most people right now isn't gathering enough information- with the internet constantly at our fingertips we are overloaded with it.  The challenge is finding the right information in a form that is easy to digest. We will become your trusted source and promise to always deliver advice in a manner that easily resonates with you.
Organize	Your lives are busy. Jobs and family commitments may leave little time for tracking the details of your financial lives.  Our process and technology will help you organize your finances so you can easily tack your progress and and gain a calming sense of clarity.

What Are Your Biggest Financial Concerns?

We Offer Two Flat Fee Service Models

Our Unlimited Plan is for those who are seeking an ongoing relationship that includes financial planning and investment management for one all-inclusive fee that doesn't increase just because your portfolio balance increases.  We provide an extremely hands-on and personal client experience. Because of this, we limit the number of households in the Unlimited Plan to forty so we can dedicate the time necessary to deliver a world class experience. For those of you who don't need ongoing professional investment management or just need advice on one or two topics, we are happy to provide our "By The Gig" option. 

Which Service Model Is Best For You?

Ready To Get Started?

Where Do You Begin?

Whether you are looking for an ongoing relationship or help with a one-time project, we always start off each relationship the same way...

Unlimited Plan Clients:

Once we build out your financial foundation and address everything on the agreed upon initial to do list (we will hold as many meetings as necessary to do this), we will hold three official meetings each calendar year. In between, we will proactively stay in contact with you via email.  We also highly encourage you to reach out to us in between each official meeting whenever you feel the need. This could be because you have experienced a life event, you are contemplating a life change, you have concerns about your plan, the markets, or anything else. We also love to simply hear from you about any positive changes or events that have happened in your life.

By The Gig Clients:

Step 1: Before our official online meeting we will help you determine your top priorities and provide an agreed upon scope of engagement which will include what topics will be discussed in the meeting, and the price. 

Step 2: We help you organize your finances and create your personal financial portal.

Step 3: We conduct an online video meeting where we provide custom, straightforward recommendations based on your top financial priorities. 

Step 4: We email you a meeting summary and organized to do list. 

Step 5: You can take advantage of having 30 days of unlimited email follow up if you end up having any additional questions. 

Step 6: You can continue to track your financial life and progress towards your goals in your personal financial portal using our custom app.

Ready To Take The First Step?

Let's Get Started

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