If you would like a one-off or annual review of your investment strategy and financial goals, our comprehensive financial planning service may be the right option. As part of the planning process, we will review your savings strategy, investments and financial objectives. At the end of the process, we will provide a comprehensive written analysis which includes projections of cash-flows and recommend actions to help you achieve your goals.
For many of our clients, the most important goal is financial independence, or the freedom to stop working if they wish to. For others, it is funding a child’s education, buying a second home, expanding a business or establishing a foundation. With a comprehensive financial plan, we can help you budget, save and invest in a systematic way to improve the chance you will achieve your goals.
A financial plan provides the blueprint for your business or personal finances and will help inform any strategic, portfolio allocation and investment recommendations we make. We believe a comprehensive plan is integral to the successful creation, preservation and transfer of value and wealth. Having a plan in place will help to clearly identify your financial objectives, and chart a path to achieving them.
Our service model
Developing a financial plan is only the first step in our commitment to our clients. We will also work with your trusted tax or legal advisors to assist in implementing any recommendations. Clients have a choice of implementing investment recommendations on their own, with another advisor/broker, or engaging WSQ Capital to provide ongoing investment advice and investment management services.
With rapidly-rising health care costs, changing government policies, long time-horizons and confusing investment vehicles, planning for retirement is the most complicated financial challenge we face.
Our Certified Financial Planner professional will develop a comprehensive financial plan customized for you. This will guide any consolidation of your IRA, 401(k), 403(b), profit-sharing, ESOP or pension accounts to make them more manageable.
To learn more or request a complimentary portfolio review, please complete our contact form and one of our advisors will contact you shortly.
Managing a portfolio of investments for retirement is likely the most complex task most people will perform. The portfolio management challenge alone is decades and provide income for decades. The task is complicated by the array of investment vehicles, savings plans and tax implications. The average investor will have to juggle pension plans, 401ks or 403bs, rollovers, IRAs, contribution limits, taxable investments and social security. If you own your own business, you may also need to make decisions about retirement plans for your employees. No wonder most Americans choose to ignore retirement planning till it is too late. Our advisors have worked with clients in all stages of their careers and with a variety of retirement funding needs. We have the tools and expertise to develop a sound strategy for retirement savings and investment, and have helped clients develop the discipline necessary to successfully implement the plan.
Our fees are reasonable and commensurate with the services we provide. For our complete financial consulting agreements, please write or call us. Our financial consulting fee is determined based on the volume and type of work being conducted. A comprehensive financial plan for a family generally costs $2,500. Investment Advisory clients are offered a basic plan as part of their annual review.
Questionnaire and Sample Plan
A planning engagement generally starts out with the client completing our questionnaire. We can provide a sample plan upon request.
Our 7 steps to Financial Independence
Financial independence means not having to work if you don’t want to, and we’ve put together seven achievable steps we recommend clients take to achieve financial independence.
- Save 10% of your income every year, 20% when possible.
- Once a year, tally up your assets and your debts; figure out how much you’ve saved and spent.
- Maintain life and disability insurance as a family safety net.
- Plan to have no debt or mortgage when you stop working.
- Save for your children’s college education.
- Prepare a will, and plan to account for estate taxes.
- Invest at least 20% of your portfolio in a wide mix of stocks, another 20% in a broad selection of investment-grade bonds, and at least 5% in Cash.