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At Foothills Financial Planning, we take pride in our strong client orientation.
We provide independent, objective advice that is tailored to your needs, not
product sales. The services we offer can range from a consultation to address a
specific goal to building a comprehensive financial plan that will help you live
with the peace of mind that your financial house is in order. If you are a
do-it-yourself investor, we can provide a second opinion to provide validation
that you're moving in the right direction. Other examples of the services we
provide include:
Hourly Investment Advice
Investing is the key to developing wealth over time. Foothills Financial
Planning aims to help you maximize your investing success while minimizing your
risk. This is not a one-size-fits-all proposition. Your specific objectives,
time horizon, and willingness to accept risk are each key components in
developing a realistic investment plan that is personalized for you.
Retirement Planning
Planning for retirement doesn't have to be complicated, but there are a number
of investment vehicles available on the market, and we will help you navigate
the options to decide what makes sense for you. We can review your 401k or 403b,
and optimize the investments within those accounts. Perhaps most importantly,
Foothills Financial Planning will design a strategy that balances contributions
between the various accounts and investments to ensure that you maximize your
tax planning, both now and at the time you must draw from your retirement funds.
For many prospective retirees, the primary way to save for retirement is through
a qualified employer retirement plan, better known as a 401k, 403b or similar. These
plans can provide an easy, tax-favored way to accumulate significant savings for retirement.
How do you know if your plan is sick or healthy? Check in for a
401k Physical to find out.
The Camelback Fund is a new breed of fund called a
Spoke Fund® - a cross between a mutual
fund and a traditional separately managed account. It combines the best qualities of these vehicles,
while leaving the high fees and other downsides behind. The Fund seeks dividend-paying companies
that behave like camels - fortified to the extent that they can live off of their stored resources,
or continue paying dividends - even when times are lean. Click here for more information regarding the Camelback Fund.
Ongoing Investment Management
If you would prefer to delegate implementation of the investment plan we prepare
for you, and would like to focus your time and energy on other personal demands,
Foothills Financial Planning can provide professional investment management for
your portfolio. As with all of the services we provide, this management will be
tailored to your personal objectives, and under no circumstances will we ever
implement a decision without your specific approval.
Employee Stock and Stock Option Planning
Companies in the technology arena often use company stock and stock options as
incentive rewards for their employees. This can result in those employees
holding concentrated positions of stock or options of their employer. To
minimize this exposure, Foothills Financial Planning can design a deliberate
strategy to divest these holdings in a methodical manner to minimize taxes while
achieving diversification.
Planning for Multiples
Chances are, if you've recently learned that you will soon be having twins or
triplets (or more!), it has come as a surprise. As the father of triplets, Kevin
has a uniquely empathetic perspective on your situation. Financial planning for
parents of multiples takes on an added urgency, and it doesn't stop when they're
born. We can help you navigate the specific challenges facing parents of
multiples, and get you the financial help you need to reduce the stress and
maximize the joy of this amazing experience.
College Planning
As with retirement planning, there are a number of tax-advantaged vehicles
available on the market to help you meet the rising costs of college. Which are
most appropriate for you? What investments should you select within those
accounts? We'll help you work through these questions, as well as balancing the
college funding question with other investment needs, such as retirement.
Budget Planning and Cash Flow Management
For most Americans, financial success starts with managing cash flow. A strong
investment strategy is pointless if there is no money to invest. Generating the
capital to invest is arguably the most important component of building wealth or
achieving specific investment goals. Foothills Financial Planning aims to help
our clients become good financial stewards. If you don't have a budget, we'll
work with you to develop one. If you have one but don't stick to it, we'll ask
you the tough questions on an ongoing basis to help you stay accountable.
Analyzing your monthly or annual cash flow is the start. From there, we will
develop a plan together for you to live within your means so you can free up the
cash to march toward your investment goals.
Insurance Needs and Analysis
Insurance is a key component in maintaining financial security. Foothills
Financial Planning can help you manage risk by providing a thorough analysis of
your insurance needs and review your current policies to identify any gaps that
may exist. We will also recommend a path forward and a low cost provider to help
you close those gaps.
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