We Partner With People Under 60 To Guide Them Through Two Distinct Phases Of Financial Life Planning. Which One Are You In?
Phase 1: Make It Grow
The planning experience in this stage is designed for people who are still working and are being forced to balance multiple financial goals such as retiring as soon as possible, buying a house, paying off student debt, and saving for college, all while growing your assets, family, and your career. We will help you create a plan that grows the wealth you will need to retire early, without having to sacrifice your happiness in the present. We focus on:
- calculating exactly how much to save in which types of accounts
- growing your assets through disciplined investing
- tackling student loans and other debt
- planning for large financial goals such as home purchases, college expenses, weddings, etc
- managing your cash flow
- unbiased 401(k) and 403(b) plan reviews
- organizing your financial life
- making sure you have proper insurance coverage
- managing life transitions such as going back to school, starting a business, or taking a temporary work sabbatical
Phase 2: Make It Flow
This planning experience is designed for those who are in the last stage of their career and are ready to consider what life looks like after work. Retiring in your 40's, 50's, or early 60's is a lot more tricky than retiring when you are already old enough to benefit from Social Security Income, Medicare, and pensions. You need a plan that enables you to create your own paycheck from your assets, before those other benefits kick in later in life. You also need a tax efficient income plan for when you start receiving those benefits. We focus on creating lifetime income and minimizing taxes through:
- future cash flow analysis
- tax minimization
- social security optimization
- pension option analysis
- unbiased rollover analysis
- strategic withdrawal sequencing
- tax efficient Roth conversion strategies
- strategic asset location
- asset allocation and rebalancing
- portfolio stress-testing
Full Financial Life Planning For A Unique Flat-Dollar Fee
We are on a mission to make truly comprehensive financial advice available to anyone who needs it, regardless of how much they currently have to invest. By working 100% virtually (though we are always happy to meet in person for a coffee or drink) we are able to keep our operating costs low and pass those savings on to you. We are one of the rare financial planning firms that charges a flat-dollar fee instead of charging you based on how much you invest. When you partner with us, you get access to a dedicated experienced, fiduciary CFP® who only works with no more than 40 clients at a time (much lower than the industry average). So you can be confident you will receive the personalized attention your financial well-being deserves.
We Believe You Deserve Better Than The "Typical" Client Experience
Many of the traditional financial advisor business 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?
As CFP®s working for an independent Registered Investment Advisor Firm, we are required to act as fiduciaries 100% of the time. This is different from advisors who work at brokerage firms or hybrid firms. We never receive commissions or compensation from third parties. So you can be sure we ALWAYS put your best interests first.
Transparent, Flat Fees
Unlike the vast majority of firms, we charge a fixed, flat dollar fee that includes financial planning and investment management because we believe the amount you pay your advisor should be based on the services you actually receive, not how much you invest or what you can afford to pay.
Collaborative and Comprehensive
Our planning process is effective in getting real results because it focuses on your entire financial life and puts you in the driver’s seat. We recognize that while we may have professional expertise, you are the expert on your own lives. We unite the two so that we can make good decisions together.
We leverage technology to maximize your experience. We understand that younger clients want advice anytime, anywhere, and they don't want to have to drive to a stuffy office to get it. Our meetings are conducted online or on the phone. This allows us to meet with you around your busy schedules including weekends. All clients get access to our state of the art client portal and app so you can keep track of your financial life from anywhere.