Wise Planning Inc

Services

Comprehensive Personal Financial Counseling is designed for people with significant financial assets or income who seek assistance in various aspects of their financial lives. After working with each client to clearly define financial goals and priorities, we develop a strategy to achieve them. We prepare a written plan that includes specific recommendations that are aligned within the strategic framework. The areas we address include:

• Investments

• Cash Flow Management

• Education Funding

• Insurance

• Taxes

• Employee Benefits

• Retirement Planning

• Estate Planning

We then help implement the plan, working closely with other service providers, including attorneys, accountants, insurance agents, banks, mutual fund companies and brokerage firms.

Our role as financial advisor is ongoing. We review plans quarterly, or more frequently as conditions warrant, to adapt to changes in the external environment or a client’s personal situation. We provide an integrated approach to financial management, coordinating all aspects of a financial plan to produce the most effective results.

Retirement Plan Consulting is offered to business owners who seek help in fulfilling their fiduciary responsibilities with respect to their company-sponsored retirement plans. We focus on costs, investment options, and participant education. We review your current plan and provide a report detailing plan expenses, many of which may be hidden. If we believe the plan can be improved, we outline an alternative solution. As the investment advisor to your plan we acknowledge our fiduciary status in writing. Wise Planning advises the Trustee(s) or Investment Committee about investment options, coordinates plan conversion and enrollment, and provides employee education, stressing the importance of participation and prudent investment choices. We monitor the investments in the plan with regard to their ongoing suitability, recommending changes when appropriate. We provide annual plan reviews and education meetings to keep your plan and participants on track.

Financial Counseling Projects are designed for people or companies that do not currently need continuous financial advisory services. The service is customized to address individual client needs from providing analysis and recommendations on a particular financial question, to developing a plan that the client can implement and oversee.

Financial Education is designed for people who would like to learn how to better manage their financial lives. Programs are tailored to each audience and may include workshops, discussion groups, and one-on-one coaching. Our goal is to teach the basic financial principles that guide all of our work and to help people intelligently distill information they receive from the media and financial product providers.