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Financial Planning

Do I actually have enough — and can someone show me the math?

A financial plan is the arithmetic behind your assumptions: what you can spend, what you can give, and when you can stop working. We build and maintain yours in eMoney, with your accounts aggregated so every meeting starts from live numbers rather than a folder of statements.

Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals.

A comprehensive plan extends beyond saving, budgeting, and investing to address insurance, taxes, retirement, and estate planning — because those decisions interact. Changing one usually changes the others, which is the whole reason to hold them in a single plan rather than four separate conversations.

We build the plan — eMoney is where you see it

Most people have met a financial plan as a bound document — forty pages, accurate on the day it was printed, and out of date by the time anything happens. That is not what you get here. We build your plan ourselves and keep it in eMoney, where it stays live.

Your accounts are aggregated into it, so the balances are current rather than gathered up before a meeting. That changes what a meeting is for. When you ask whether you can afford the house, or retire two years earlier, or help with a grandchild’s tuition, we can change the assumption while you are sitting there and watch what it does to everything downstream — instead of promising to come back to you in two weeks.

You get your own login, so the plan is not something you see twice a year across a table. It is there when the question occurs to you at nine on a Sunday evening.

Our approach to financial planning

  1. Discovering you

    An initial consultative meeting to understand your goals and determine whether we’re a fit. Nothing to prepare.

  2. Strategy planning

    We develop personalized short, intermediate, and long-term plans through collaborative sessions rather than handing you a document.

  3. Implementation

    Professional guidance through investment decisions, insurance selection, retirement savings, and estate planning.

  4. Review and support

    Ongoing plan reviews, with the strategy modified as your circumstances and the tax code change.

What this covers

  • Retirement Income Planning
  • 401(k) & Pension Analysis
  • Account Aggregation Services
  • College Education Funding

What your plan looks like

Four views, and the whole plan is in them.

The plan is built by us; eMoney is where you see it, with your accounts aggregated into it. These are the views you will spend the most time in — and because the balances feed in directly, they are current when you open them rather than accurate as of whenever the last statement was printed.

  • Where your income comes from, year by year

    • Portfolio withdrawals
    • Pension
    • Social Security

    At 65 the portfolio is carrying almost the whole household. Claim Social Security at 70 and withdrawals fall by roughly a third overnight. Seeing the handover is usually what settles the question of when to claim.

  • Net worth across the whole horizon

    One line from today to age 95, with the retirement date marked. The dip after 65 is the plan working as intended — the question a plan answers is whether the line stays above zero, not whether it always rises.

  • How the plan holds up when markets do not cooperate

    87%

    of simulated outcomes fund the plan to age 95

    The plan is run through a thousand market sequences, good and bad. A single projected number tells you what happens if everything goes to average, which it never does. This tells you how much room for error you have.

  • Every goal, and whether it is funded

    • Retirement income100%
    • College, two children84%
    • Home renovation100%
    • Legacy to the next generation62%

    Each goal is costed and tracked separately, so a shortfall shows up against the goal it belongs to. Here the legacy goal is 62% funded — which is a decision to make now, not a surprise at 80.

The figures above are illustrations of the views eMoney produces, drawn with sample numbers. They are not a projection, a recommendation, or a representation of any client’s results, and they do not reproduce eMoney’s software. Your own eMoney views are built from your accounts and your assumptions.

Financial Planning

Questions we get asked

  • It is the process of holding retirement, tax, insurance, investment, and estate decisions in one plan rather than four separate conversations, because changing one usually changes the others. The output is a living model of your finances, not a bound document that goes out of date the month after you receive it.

Who this usually matters most for

The rest of the picture