Ongoing Personalized Comprehensive Financial Planning
Your real-time roadmap to financial confidence and lifetime security
Serving High Net Worth individuals with $1M+ investable assets
Schedule Your Planning Discovery CallWhat Is Comprehensive Financial Planning?
A holistic approach that integrates all aspects of your financial life into one cohesive strategy
True financial planning goes far beyond investment management or one-time retirement projections. It's a continuous, comprehensive process that addresses every aspect of your financial life: retirement income, risk management, tax optimization, estate planning, and more.
Unlike one-time plans that become outdated within months, our comprehensive planning approach creates an ongoing relationship. We adapt your strategy as your life changes, markets shift, and new opportunities emerge.
The Integration Advantage
When retirement, investment, insurance, and tax strategies work together, rather than in isolation, you create powerful synergies that significantly improve outcomes while reducing risks and costs.
Holistic Approach
Every decision is evaluated for its impact across all areas of your financial life
Ongoing Relationship
Regular reviews and updates ensure your plan stays relevant as your life evolves
Fiduciary Standard
Your best interests come first, always. No conflicts, no hidden agendas
Our 5-Step Planning Process
A proven methodology that creates comprehensive, actionable financial plans
Discovery
We begin by deeply understanding your goals, values, current financial situation, concerns, and aspirations. This isn't just about numbers, it's about understanding what matters most to you.
Analysis
Comprehensive review of your current finances, risk exposures, tax situation, estate plan, and investment strategy. We identify gaps, opportunities, and potential pitfalls.
Strategy
Creation of your custom financial plan integrating retirement income, investment strategy, risk management, tax optimization, and estate planning into one cohesive roadmap.
Implementation
We execute the plan with precision, coordinating with your CPA and attorney, implementing insurance solutions, establishing investment accounts, and setting up income strategies.
Monitoring
Regular reviews (quarterly or semi-annual) ensure your plan adapts to life changes, market conditions, and new opportunities. This ongoing relationship is what separates true planning from one-time advice.
What's Included in Your Plan
Comprehensive coverage of every aspect of your financial life
Retirement Income Planning
- ✓Lifetime income projections and stress testing
- ✓Social Security optimization strategies
- ✓Pension maximization analysis
- ✓Required Minimum Distribution (RMD) planning
- ✓IncomeForever™ strategy integration
Investment Strategy & Asset Allocation
- ✓Custom asset allocation aligned with your goals
- ✓Risk tolerance assessment and management
- ✓Tax-efficient investment placement
- ✓Rebalancing and tax-loss harvesting
- ✓Alternative investment evaluation
Risk Management & Insurance
- ✓Life insurance needs analysis and optimization
- ✓Long-term care planning strategies
- ✓Disability income protection review
- ✓Property & casualty insurance coordination
- ✓Liability protection strategies
Tax Optimization Strategies
- ✓Tax-efficient withdrawal strategies
- ✓Roth conversion analysis and planning
- ✓Charitable giving strategies (DAF, QCD)
- ✓Business owner tax planning coordination
- ✓CPA coordination and collaboration
Estate Planning Coordination
- ✓Beneficiary designation review and optimization
- ✓Trust structure recommendations
- ✓Estate tax minimization strategies
- ✓Legacy and wealth transfer planning
- ✓Estate attorney coordination
Additional Planning Services
- ✓Education funding strategies (529, alternatives)
- ✓Debt management and mortgage optimization
- ✓Cash flow analysis and optimization
- ✓Business succession planning
- ✓Executive compensation planning
eMoney Advisor: Your Financial Planning Portal
24/7 access to your personalized financial plan with powerful planning tools
As a BrightAdvisor client, you receive access to eMoney Advisor, the industry's leading financial planning platform. This gives you real-time visibility into your complete financial picture.
View your financial plan anytime, anywhere, on any device
Model different scenarios and see how changes impact your plan
Your data is protected with the same security used by major financial institutions
Check your plan on the go with iOS and Android apps
Store important financial documents securely in one place
Your Financial Dashboard
All accounts aggregated in one view with automatic updates
Transparent Planning Fees
Investment in comprehensive planning that pays dividends for life
What You Receive
- ✓Comprehensive Financial Plan: 50-100 page detailed analysis covering all aspects of your financial life
- ✓Strategy Presentation: 2-3 hour detailed review of recommendations and implementation roadmap
- ✓Implementation Support: Guidance and coordination for executing all recommendations
- ✓Ongoing Relationship: Annual or semi-annual review meetings to keep plan current
- ✓Unlimited Communication: Email and phone access for questions between meetings
Fee Determination Factors
Planning fees are customized based on complexity and scope:
- • Household income and net worth
- • Number of accounts and financial entities
- • Business ownership or executive compensation complexity
- • Estate planning needs and family structure
- • Tax planning complexity
No obligation. We'll discuss your situation and provide a custom fee quote.
Real Planning Impact
See how comprehensive planning transforms financial futures
Case Study: The Martinez Family
Pre-retirees, ages 58 and 56, with $1.2M in retirement savings
Names and identifying details changed to protect client privacy
❌Before: Fragmented Approach
- • No cohesive retirement income strategy
- • All savings in tax-deferred 401(k)s (tax time bomb)
- • Outdated term life insurance ending at 65
- • No long-term care planning
- • Taking Social Security at 62 (suboptimal)
- • Projected to run out of money by age 85
✓After: Comprehensive Plan
- • IncomeForever™ strategy with guaranteed lifetime income
- • Roth conversion strategy reducing lifetime taxes by $280K
- • Strategic use of IUL for tax-free supplemental income
- • Long-term care protection via hybrid policy
- • Optimized Social Security claiming (waiting to 70 for one spouse)
- • Income guaranteed for life + growing legacy for children
Result:
Increased lifetime after-tax income by $420,000, eliminated longevity risk, and created a $650,000 tax-free legacy, all while reducing overall risk exposure.
"We thought we had everything figured out, but the comprehensive plan revealed blind spots we never saw. The peace of mind knowing we'll never run out of money, and that we're leaving a legacy for our kids, is priceless. Best investment we ever made."
Frequently Asked Questions
How is this different from a "free" financial plan?
"Free" plans are typically sales tools designed to sell specific products. They're often generic, limited in scope, and created by algorithms rather than experienced planners. Our comprehensive plans:
- • Are fully customized to your unique situation
- • Cover ALL aspects of your financial life, not just investments
- • Include detailed analysis and recommendations (50-100 pages)
- • Are created by CFP® professionals, not software
- • Come with no sales pressure, you implement what makes sense for you
- • Include ongoing relationship and plan updates
How often do we meet after the initial plan?
Most clients meet with us semi-annually (twice per year) for comprehensive reviews. Some prefer quarterly meetings, especially in the first year of implementation or during major life transitions. Between meetings, you have unlimited email and phone access for questions. The frequency is customized to your needs and preferences.
Can I implement the plan myself, or do I have to use your services?
You're free to implement any or all recommendations yourself. Many clients choose to implement certain aspects themselves (like Roth conversions with their CPA) while using our services for others (like insurance solutions or investment management). There's never pressure to purchase products or services. That said, most clients find significant value in our implementation support. We handle the heavy lifting, coordinate with other advisors, and ensure everything is executed correctly.
What if my situation changes? Do I need a new plan?
This is the beauty of our ongoing planning relationship. Major life events (inheritance, job change, health issues, divorce, etc.) are addressed as they happen with no new planning fee required. We update your plan during regular review meetings to reflect changes in your life, the tax code, and market conditions. The initial planning fee covers not just the plan creation, but the ongoing relationship that keeps it current.
What if I already work with other advisors (CPA, attorney)?
Excellent! We view ourselves as the quarterback of your financial team, coordinating with your existing advisors rather than replacing them. We regularly collaborate with CPAs on tax planning, estate attorneys on trust structures, and other professionals. Many of our best planning outcomes come from this collaborative approach. Your existing relationships are valued. We work with them, not against them.
Ready to Create Your Comprehensive Financial Plan?
Schedule a complimentary consultation to discuss your goals and see if comprehensive planning is right for you.
No obligation. No sales pressure. Just a conversation about your financial future.