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Client Centered

Charles and Margaret* are less than a year away from retirement. Charles is a veterinarian and Margaret assists with the practice. However, their third grandchild is on the way, and they want to spend more time with their grandchildren. They have been anticipating their retirement for years and want a final check-up of their financial plan.

At this point in their lives, they know the stakes are high. They don’t have time to “plan” for their retirement – it’s already here. Charles and Margaret want confirmation that they are doing the right thing with their financial decisions, and they need someone to put it all together.

To help solidify their financial independence, they hired Frontier Financial Planning.

Let’s talk about your future, and how you can strengthen your financial independence.  Frontier began with a goal verification session focusing on the six areas of financial  planning to assist Charles and Margaret in their path to achieve their dreams.

1 – Income allocation
2 – Risk management
3 – Investing for wealth accumulation
4 – Tax planning
5 – Retirement planning
6 – Estate planning

  • Reduced taxes by helping them properly utilize their available tax qualified plans through their employers.
  • Created and implemented a systematic savings program to help with discipline and putting money to work in a more efficient manner.
  • Covered exposure regarding their risk management areas
  • Created and implemented an overall investment strategy.  Turns out they were taking too much risk with their retirement assets.
  • Created and implemented a retirement income planning strategy (RIP) for retirement. Determined exactly where their income will come from during retirement.  Part of this helped them understand what level of income is sustainable for 30+ years.
  • Collaborated with an estate planning attorney to design an effective estate plan.
Client Centered

After meeting with Frontier, Charles and Margaret felt much more confident about announcing their impending retirement and closing their small business. With Frontier, they evaluated their strengths and weaknesses refining their comprehensive financial plan, and made changes to areas that needed them.

Frontier ensured them they were heading in the right direction and had a good structure for their future. Let’s talk about your future, and how you can strengthen your financial independence.

*Please note that the characters portrayed are a fictitious couple for illustrative purposes only.

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