Advice & Planning Questions

• What is financial advice & planning ?

  We focus on providing personalized financial guidance and creating a plan for you. Our advice and recommendations for your personal situation are inside the financial plan. With this service option we don’t manage your investments or sell financial products. This allows us to be completely objective and put your interests first.

• How do you determine the cost for financial advice and financial planning services?

  Our financial planning services that can be customized to be as narrow or as comprehensive as the client’s desires. Clients may choose to engage the firm in a short-term or ongoing capacity. 

  The key defining aspect of financial planning is that through the financial planning process, all questions, information, and analysis will be considered as they affect and are affected by the entire financial and life situation of the client. 

  Clients will receive a written or an electronic report, providing the Client with a detailed financial plan designed to achieve his or her stated financial goals and objectives.

• What is the family tree option?

  By keeping the family’s investments at Mountaintop Wealth, they may qualify for discounted pricing compared to using separate providers. Benefits include: 

  Building Generational Wealth:

  • Strategic Investing: By carefully managing and growing the family’s assets, the firm helps build wealth that can be passed down to future generations. This can create a legacy of financial security and opportunity for children, grandchildren, and beyond.

  • Open Communication: The financial planning process encourages open communication about money within the family.
  • Shared Goals: Working together towards common financial goals can create a sense of unity and shared purpose.
  • For Spouses and Partners: Both partners are involved in the financial planning process, leading to shared understanding and informed decision-making.
  • For Children: The firm can provide financial literacy education for children, empowering them to make smart financial choices as they grow.
  • For Aging Parents: We can assist with elder care planning, ensuring the family’s patriarchs and matriarchs are well-cared for.
• What topics does your financial advice and planning cover?

  We take a holistic approach, covering areas like:

  • Investment Planning: Goal setting, asset allocation, risk management.
  • Retirement Planning: Estimating needs, maximizing Social Security, managing withdrawals.
  • Estate Planning: Wills, trusts, and legacy planning.
  • Tax Planning: Strategies to minimize your tax burden.
  • Insurance Planning: Protecting your assets and loved ones.
  • Education Planning: Saving for college.
  • Debt Management: Strategies for paying down debt.
• Who is this service best for?

  This is perfect for those who:

  • Enjoy DIY investing: You like managing your own investments but want expert guidance to ensure you’re on the right track.
  • Are navigating life changes: Starting a family, changing careers, or approaching retirement? We’ll help you navigate the financial implications.
  • Want financial clarity and confidence: We’ll empower you to understand your finances and make informed decisions.
• How does this service work and how much does it cost?

  Over a three-month period we will work together to answer the financial questions you care about most starting at $2,100. You will receive a quoted amount and billing options based on your household’s financial situation before the relationship starts. This ensures transparency and predictability.

  Once we have agreed to work together, we’ll:

  • Gather information: We’ll have in-depth conversations to understand your financial situation, goals, and values.
  • Analyze your finances: We’ll review your account statements, income, expenses, assets, and liabilities.
  • Develop a personalized plan: We’ll create a roadmap with actionable steps to achieve your goals.
  • Ongoing financial education and support:  After you receive your advice and your completed financial plan, you’ll be available to ask follow- up questions related to your financial plan up to 3 months after is complete. After that point an hourly rate of $300 may apply.