We provide financial planning, estate planning and tax planning services along with portfolio guidance and tax preparation.

 

Our initial conversation will help us determine if our services are a match for your needs. If you decide to proceed, we offer the following options.

 

Initial Financial Plan ($750)

 

The program generally begins with the development of an initial financial plan which is completed in a single 2- to 3-hour working session.

 

Here are examples of what we would typically review in this session.

• Emergency Fund

• Retirement Plan

• College Funding Plan

• Asset Allocation

 

You will be provided with a list of recommendations and a financial plan report (examples below). Recommendations generally include:

• Savings targets needed to meet retirement and other goals

• Strategies to reduce taxes and fees

• Social Security claiming strategy

• Approaches to risk management (i.e., strategy for long-term care)

• Asset Allocation Recommendation (using primarily low cost index funds)

 

 

Annual Advisory Program ($1,500 – $7,500)

 

Many clients desire ongoing support to meet their financial goals. Our annual advisory program provides an array of integrated services to meet your needs. Services include:

 

Annual Review of Your Financial Plan

Opportunity to track progress against your financial goals and make adjustments as necessary.

 

Portfolio Guidance

WJL will recommend and help implement a low cost and tax efficient investment portfolio tailored to your goals, time horizon and risk tolerance. We specialize in finding ways to minimize taxes.

 

Tax Planning and Preparation

WJL will prepare your Federal and State income tax returns on an annual basis if desired. Consolidating financial planning and tax planning and preparation helps ensure that no tax planning opportunities are missed and eliminates the need to pay two different professionals.

 

Clients who are part of the Annual Advisory Services program are encouraged to reach out to WJL with questions or concerns at any time. There is no need to wait for scheduled meetings.

 

 

 

Other Services ($250 Per Hour)

 

We also provide services on an hourly basis for clients with specific one-time needs. Examples of hourly financial planning projects might include:

• Choosing a pension lump sum vs. annuity

• Determining optimal timing of Social Security benefits

 

Financial Plan Report Example	Recommendation List Example