7 Planning Topics

Comprehensive Planning

Combines Investment Management and Financial Planning into a Holistic Package. Ongoing comprehensive customized planning advice, covering all areas of personal finance, with a regular schedule of progress meetings. 

7 Common Planning Topics

Have you ever thought about how the various aspects of your life and finances come together?  Consider the impact of how coordinating these aspects may support your life goals.

Financial Coaching

  • Coaching toward the Dave Ramsey 7 Baby Steps
  • Help with creating and staying on a Budget
  • Learn how to “Snowball” your debt
  • Coaching on how to use an Emergency Fund

Investment Planning

Did you know human beings are twice as concerned about avoiding losses than they are about achieving potential gains? This is why humans tend to sabotage their own investing. We utilize active and passive investment strategies with an emphasis on risk to help you understand how your portfolio may do in various market conditions.

Retirement Planning

What is your Strategy to draw an income in retirement?
When is the best time to elect Social Security?
How much can you take from your IRA?
What is an RMD? When do you have to take it?
How do Long Term Costs impact you?
How does volatility of my Investments impact my lifestyle?

College Funding

Student Loan debt is more than $1.7 Trillion and growing leaving Families and Students drowning in debt. We guide you to be an informed consumer of a college education with the idea of helping you lower the cost of tuition and minimizing student loan debt through advance planning.
College Pre-Approval™ Budget
Expected Family Contribution (EFC)
Net Cost Projections (for each college)
Need-based Aid Enhancement Ideas
Merit-based Aid Enhancement Ideas
Student Loan Projections

Estate Planning

Although we are not an Estate Planning Attorney we can help you formulate a plan and help coordinate your Estate Plan with an Attorney.

Tax Planning

We can help you understand how your taxes work and provide some guidance on strategies to improve your overall plan. In connection with your tax provider we can help provide strategies to help save you money.

Risk Management & Insurance

  • Life Insurance Analysis
  • Disability Insurance Analysis
  • Long-Term Care Insurance Analysis

Comprehensive Planning

Do you know if you’re on track to reach your goals?

Here is the problem –  a lot of planning doesn’t cover every stage of a family’s financial journey or may be a sales tool to sell you an investment product.  As a Fiduciary and Fee Only CFP®, we are not compensated by commission and products sales, so our goal is to give you information so you can make the most informed decision. Most guidance stays in a “single lane” of focus(maybe just Retirement) ignoring the complexities of a person’s unique financial situation. How will that large tuition bill for a Child’s College impact your Retirement?  Have you ever thought about how Tax Planning(NOT Tax Preparation) impacts both Retirement and College Funding?  These are just a few of the questions we will work with you to answer.   

We believe everyone, regardless of how much money they have, can take control of their financial future with personalized financial planning.  Most people don’t have the time or knowledge to keep up with their finances and often make decisions based on their emotions often leading to underperformance in their portfolio 

  • Financial planning helps you understand where you are today and create a roadmap to get you where you want to be.
  • Planning is personalized to you—whether you’re saving for a single goal, like retirement or need comprehensive planning and wealth management.
  • Utilize a proven Ramsey 7 Baby Step process to help you prioritize your goals.

Our role is to guide our clients through the Financial Planning Process and provide reassurance in the decisions they make.  Comprehensive Planning may come in baby steps, but it Combines Investment Management and Financial Planning into a Holistic Package. Ongoing comprehensive planning advice, covering all areas of personal finance, with a regular schedule of progress meetings.

 

Why is financial planning important?

Financial planning helps you take control of your future:

  •  Feel more confident about reaching your financial goals
  •  Save for milestones like college and retirement
  •  Build an investment portfolio tailored to your goals
  •  Know where you want to go and how to stay on track

Ideal for those who want to continuously collaborate on financial planning, ideas, delegate investment management to a professional, and have an accountability partner to stay on track toward goals.

     

    • Periodic Progress meetings
    • Retirement and College focus sessions
    • Ad hoc planning meetings as needed for life & financial transitions also included.

    Financial Planning

    • Client Planning Portal
    • 401k & 403b Fund Recommendations
    • Net Worth Statement
    • Emergency Fund Recommendation
    • Retirement Planning
    • Asset Allocation Selection
    • Plan Stress Testing (Monte Carlo)
    • Social Security Modeling
    • Medicare Cost Planning
    • Next Steps & Planning Prioritization
    • Debt Management Decisions
    • Employer Benefits Advice
    • HSA Funding
    • Goal Creation & Timeline
    • Social Security Elections & Timing
    • Pension Elections & Timing
    • Goal Progress Tracking

    Advanced Planning

    • Income Tax Planning
    • Life Insurance Analysis
    • Disability Insurance Analysis
    • Long-Term Care Insurance Analysis
    • Employee Stock & Options Planning
    • Annuity Planning (existing only)
    • Charitable Giving
    • Estate Planning
    • Business Owner Planning
    • Budget & Cash Flow Management

    Investment Management

    • Investment Policy Statement
    • Account Setup & Transfer Support
    • Low-cost Institutional Funds
    • Rules-based Rebalancing
    • Asset Location Tax Strategy
    • Investment Performance Reporting
    • Quanitative Analysis Riskalyze Score
    • Capital Gain/Loss Harvesting
    • Tax-Efficient Distributions
    • RMD Execution
    • Manage
    • Access to Trust Services

    College

    • College Pre-Approval™ Budget
    • Expected Family Contribution (EFC)
    • Net Cost Projections (for each college)
    • Need-based Aid Enhancement Ideas
    • Merit-based Aid Enhancement Ideas
    • Student Loan Projections
    • College Funding Gap Analysis
    • College Savings Strategies
    • 529 Plan Advice
    • Guidance on Financial Aid Forms Filing
    • Student Award Analysis & Appeal

    We have a minimum of $250,000 under management or 1% of Assets for Comprehensive Planning.  We do have an upfront charge of $1,200 fee for client on boarding, data gathering, and setting the basis for the financial plan. This upfront charge may be paid 50% in advance and 50% upon delivery of initial base plan.  Currently we are waiving half of the upfront charge as an incentive for clients who are able to complete onboarding and provide the necessary documents and data to complete a plan within 2 weeks of signing agreement.   As a Fee Only Advisory Firm we only get paid for our work directly from our clients and never through commissions or hidden fees.    We believe you are in charge of your money and want to have you engage with us on a collaborative plan to help you achieve your goals.  

    Our standard advisory fee is based on the market value of the assets under management and is calculated as follows: 

    Click Here for Transparent Fee Disclosure

    Account Value

    Annual Advisory Fee

    $0 – $150,000

    1.25%

    $150,001 – $250,000

    1.15%

    $250,001 – $500,000

    1.00%

    $500,001 – $1,000,000

    0.90%

    $1,000,001 – $3,000,000

    0.80%

    Click Here To See Disclosure Covering Higher Tiers

    Start Now –  Electronically Sign Our Agreement HERE

    Please note other Fee Options may be available so be sure to ask us about them if you won’t meet our minimum.

    Check the background of this financial professional on FINRA’s BrokerCheck & AdvisorInfo

    At University Financial Strategies our mission is to help families think beyond just saving for college, but helping leverage strategies that leverage your unique situation to help you save on college costs. We take into consideration topics like specialized college-planning strategies for business owners, planning for financial aid, school-specific scholarships, coordinating college planning with grandparents, cash-flow strategies and options for covering shortfalls, to name just a few.

    Address

    4801 Glenwood Avenue
    Suite 200-630
    Raleigh NC 27612

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