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ONGOING FINANCIAL PLANNING

Best for households with income greater than $150,000 looking to engage in an ongoing relationship. You have reached a point in your life where hiring a professional makes sense. You are a busy professional and want a financial partner to help you navigate a complex financial world. Here is what you get when your partner with Activate Wealth:

Financial Plan

Receive a personalized financial plan deliverable with consolidated observations and next steps for implementation.

Meetings

3 to 4 on-boarding meetings via our Activate Your Wealth Process. Bi-annual scheduled meetings with ongoing access as needed.

eMoney Advisor

Access to our financial planning software. When you login to eMoney, you will be able to see a consolidated view of your entire financial picture.

Continuing Education

Consistent insights from our emails, newsletter, blog, and social media interactions.

WHAT WILL WE COVER?
Goals

Do you have personal and financial goals?

Do you have a timeline for them?

How do you track your goals? 

Who holds you accountable? 

Savings & Cash Flow

Do you have a formalized spending and savings plan? 

How much should you have in savings for emergencies? 

How should you save for short, intermediate, and long term goals? 

How much can you spend per month without feeling bad about it?

Debt & Student Loan Management

Which debt should you pay down first?

Should you be investing more or paying down your loans? 

Should you refinance your mortgage? If so, how? 

What repayment and refinance options do you have with your student loans? Do you qualify for student loan forgiveness?

Investments

Is your 401k allocated properly? How much should you be putting in? Should you use the traditional or roth option? 

What do you do with your stock options at work? How do they work? Are there tax implications? 

Should you also have an IRA, Roth IRA, or Brokerage Account? 

What tax considerations are there when it comes to various types of accounts? 

Employee Benefit Optimization

Are you utilizing all of your company benefits to the fullest? 

Should you use an FSA or HSA’ through your employer?

Which spouse has the more optimal health insurance plan for your family?

Does your company match your retirement plan contributions?

Education Planning

Are you properly saving for the education of your children? 

Are you considering additional education for yourself?

How does a 529 plan work? Which state 529 plan is best for you? 

How do 529 plans impact financial aid?

Tax Planning

Where can you reduce your tax bill? 

How many exclusions should you be electing on your W-4? 

Does tax deferral make sense for you?

Are their strategies for reducing taxes within your current investments?

Estate Planning

Is your family protected if something were to happen to you?

Do you have the correct legal documents in place? 

Do you need a Will?

Does a Trust make sense for you?

Insurance/Risk Management

Do you need Life or Disability Insurance?

How much do different types of insurance cost?

Where do you go to purchase an insurance policy? 

How do you plan on replacing income in the event of a premature death or extended period away from work?

Goals

Do you have personal and financial goals?

Do you have a timeline for them?

How do you track your goals? 

Who holds you accountable? 

Savings & Cash Flow

Do you have a formalized spending and savings plan? 

How much should you have in savings for emergencies? 

How should you save for short, intermediate, and long term goals? 

How much can you spend per month without feeling bad about it?

Debt & Student Loan Management

Which debt should you pay down first?

Should you be investing more or paying down your loans? 

Should you refinance your mortgage? If so, how? 

What repayment and refinance options do you have with your student loans? Do you qualify for student loan forgiveness?

Investments

Is your 401k allocated properly? How much should you be putting in? Should you use the traditional or roth option? 

What do you do with your stock options at work? How do they work? Are there tax implications? 

Should you also have an IRA, Roth IRA, or Brokerage Account? 

What tax considerations are there when it comes to various types of accounts? 

Employee Benefit Optimization

Are you utilizing all of your company benefits to the fullest? 

Should you use an FSA or HSA’ through your employer?

Which spouse has the more optimal health insurance plan for your family?

Does your company match your retirement plan contributions?

Education Planning

Are you properly saving for the education of your children? 

Are you considering additional education for yourself?

How does a 529 plan work? Which state 529 plan is best for you? 

How do 529 plans impact financial aid?

Tax Planning

Where can you reduce your tax bill? 

How many exclusions should you be electing on your W-4? 

Does tax deferral make sense for you?

Are their strategies for reducing taxes within your current investments?

Estate Planning

Is your family protected if something were to happen to you?

Do you have the correct legal documents in place? 

Do you need a Will?

Does a Trust make sense for you?

Insurance/Risk Management

Do you need Life or Disability Insurance?

How much do different types of insurance cost?

Where do you go to purchase an insurance policy? 

How do you plan on replacing income in the event of a premature death or extended period away from work?

PROJECT PLANNING

Best for those who are early in their career needing help in a few particular areas (i.e. budgeting or student loans). You aren’t ready for ongoing financial planning but would love some assistance getting the ball rolling.

Topic Areas

Choose 2-3 items from the list above and receive a summary document with next steps for self-implementation.

Meetings

2 meetings with a summary document at the conclusion of the 2nd meeting.

Access

Email access for 2-3 weeks following the 2nd meeting for follow up questions.

Continuing Education

Consistent insights from our newsletter, blog, and social media interactions. If you decide on an ongoing relationship makes sense down the road, we are happy to have you!

SCHEDULE A CALL

Want to learn more about Activate Wealth and see if you may benefit from our solutions? Schedule your 15 minute intro call here: