Clients I serve Best:
Mid-Career Professionals
- Household income >$200,000
- Have kids
- Partnership opportunies through employer
- Equity compenstation through employer
- Recently finished professional training (Residency, fellowships, Passing Bar exam)
- Have $100k or more in student loans
Couples Nearing Retirement
- Diligently saved >$500,000 in retirement or brokerage accounts
- 2- 5 years away from retirement
- concentrated employer stock
- concerned about income in retirement
- Worried about taxes in retirement
People who value Expert advice
I work best with people who understand the importance of their financial decisions, and want an expert to help with planning and advice.
Introductory Meetings
(Month 1)
Think about it
Onboarding
(Month 2-6)
Transition
Ongoing Relationship
(Month 6+)
Step 1
Two complimentary meetings to gather information, give you a financial assesment, and recommend next steps.STEP 2
Take your time to determine whether Palm Valley Wealth Management is right for you.STEP 3
Several meetings to begin implementing your financial plan.STEP 4
Review progress, outstanding action items, and transition to ongoing relationship schedule.STEP 5
Review progress, outstanding action items, and transition to ongoing relationship schedule.
Intro phase |
Complentary Consultation |
Introductory Meeting
(1 Hour) | Financial Assesment Meeting |
Learn about you | Review Financial Scorecard |
Gather Information | Determine Action Steps |
Decide to Work together |
Onboarding Phase |
Plan Design& implementation |
Get Organized meeting | Priorities and Risk | Investments & Taxes | Review & Transition Meeting |
Get clear on your priorities and values | Determine strategies and processes for your priorities | Retirement and education planning | Review progress and outstanding action items |
Organize key financial documents | Review risk management framework | Identify risk tolerance and strategy for each investment account/goal | Review updated financial statements |
Get set-up on financial planning hub | Emergency fund, beneficiary designations, life & disability coverage, estate planning | Review previous year tax return and tax planning opportunities | Transition to ongoing relationship schedule |
Ongoing Relationship
PLAN MONITORING, REVIEW, AND IMPLEMENTATION
Spring
- Review of Cash Flow
- Reasses Goals and values
- Update savings/distribution rate
- Investment Review
Fall
- Tax Planning
- Risk Management Review
- Open enrollnment review
- Insurance and Estate Planning
Year-Round
- As Needed Meetings
- Proactive Review and Communication
- Professional Investment Managment