Comprehensive Financial Planning
Lutz Financial works with you to craft a comprehensive plan addressing your immediate and long-term goals. Planning is focused around face-to-face, interactive meetings driven by your distinct goals. This process includes:
- Discovery Meeting
At this first meeting, we assess your current situation, financial goals and feelings regarding capital markets. We use this information to model financial outcomes and refine strategy assumptions for subsequent meetings.
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- Financial Planning Meeting(s)
The following critical areas of your financial plan are addressed:
- Cash Flow & Income-Tax Planning
- Asset & Debt Management
- Personal Risk Management (Life, Disability and Long-Term Care)
- Estate Planning
- Employee Benefit Elections (401k, stock options, etc.)
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- Investment Meeting
At this point, our mission is to properly allocate your portfolio. It is your money, and we believe devoting one full meeting to discuss specific recommendations is appropriate.
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- Annual Review (Investment Advisory Clients)
We perform a full review of your Lutz Financial portfolio, including performance, cash needs and rebalancing. In addition, we typically update one critical area ensuring your financial plan remains current.
 Planning brings little, if any value if not ultimately acted upon. Lutz Financial does not simply deliver “a plan” and leave it to you to take action. Rather, we develop a lifelong relationship based on the concept that financial planning is a continuing and evolving value added process, not a one time transaction.
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