Planning Services

Comprehensive Financial Planning

Organizing your financial life involves a lot more than merely figuring out which investments you are going to make. A comprehensive financial planner may address the following issues:

Goal identification

	Retirement
	College
	Homes
	Automobiles
	Charitable

Spending

	Savings target
	Savings methods
	Spending plan
	Liquidity needs
	Debt management

Risk management

	Life insurance
	Income protection (disability insurance)
	Liability coverage and asset protection strategies
	Property and casualty insurance
	Health & long-term care coverage

Estate planning

	Wills
	Titling of assets & beneficiary designations
	Trusts
	Durable powers of attorney
	Gifts & wealth transfer strategies

Investing

	Asset allocation
	Diversification
	Tax planning
	Cost minimization
	Employee stock options

A fee-only comprehensive financial planner will normally charge a flat fee for the development of a complete financial plan, and then a periodic fee for ongoing monitoring of changes in a client's personal situation and the laws affecting them. A planner who also manages investments may include that in the flat fee arrangement, or may work on a percentage of invested assets. A planner who is also a CPA will normally charge separately for tax preparation services. A small percentage of fee-only planners offer limited consultations on an hourly basis, but most are interested in clients who appreciate the value of a long-term relationship.

Fee-based and commission planners receive referral fees or other payments from third parties whose products and services are recommended to clients. Fee-only planners do not accept any payments from such third parties, and are compensated directly by the client.

This SimplyRich web site and linked Personal Financial Planning Message Board are operated by Less Antman, a licensed CPA in the state of California who provides comprehensive financial planning services on a fee-only basis. Less Antman, CPA, a sole proprietorhsip, is registered with the State of California as a registered investment advisor, and will not transact business in any state unless first registered there or qualifying for an exclusion or exemption from registration there. For more information, please e-mail less@simplyrich.com and be sure to indicate your state of residence.