Comprehensive Financial Planning

At Sherpa Wealth Strategies, we know you need a financial planner who truly understands your unique situation. Someone who will help put you on a path toward achieving your goals, someone who will help solve your problems, and someone who will be there to educate and guide you along every step of your financial journey.

Hiring a financial planner is a like hiring a therapist. After all, you’ll need to share the intimate details of your financial life to get the best results. And though comprehensive financial planning can seem like a math problem, we’re really focused on helping you find solutions.

First – we start by really getting to know you – your goals and your dreams. What keeps you up at night and what motivates you to get up in the morning. Where you are today, where you’d like to be and why.

Second – we help you implement a comprehensive financial plan, putting you on a path to making those goals and dreams of yours a reality.

Third – we’ll walk right by your side every step of the way. Listening to you, guiding you, educating you and coaching you. When life inevitably throws you a curveball, we’ll make sure you’re prepared to hit it out of the park.

We call our process the Financial Empowerment Journey – and with it, we’ll put you on a path toward achieving all of your financial goals so you can spend more time focusing on what’s important – living your best life, enjoying your friends and family, and making a difference for the people and causes you care about.

Mini Plan – Building Your Future $1000

The Mini Plan provides a clear plan for working toward meeting long-term goals – typically retirement and education. Emphasis is placed on debt reduction, creating an estate plan, establishing retirement and education savings accounts, and determining survivor life insurance needs. Fee includes online access to our financial planning portal and two financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement. The advisor does not have discretionary authority.

Reality Check Report

N

Cash Reserve Planning

N

Mortgage/Debt Analysis

N

Personal Balance Sheet

Legacy Builder Blueprint

N

Beneficiary Review

N

Estate Plan Review

risk reduction process

N

Survivor Needs Analysis (Life Insurance)

portfolio navigator

N

Asset Allocation & Investment Selection

N

Structuring Accounts for Different Goals

N

Retirement Savings Vehicle Comparison

Mid-Career Wealth Builder Plan $2500

The purpose of the Mid-Career Wealth Builder Plan is to help clients balance the competing needs of funding their current lifestyle and future goals like educating their children and living comfortably in retirement. Managing debt, making a career change, starting a new business or helping aging parents are often concerns. Blended families may present budget and estate planning challenges. The plan will use a goals-based approach to help clients prioritize their savings, investment and insurance choices. Employee benefits packages will be analyzed, and personal income tax returns will be reviewed. Fee includes online access to our financial planning portal and up to four financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement.

 

Reality Check Report

N

Cash Reserve Planning

N

Mortgage/Debt Analysis

N

Personal Balance Sheet

N

Employee Benefit Review

Legacy Builder Blueprint

N

Beneficiary Review

N

Estate Plan Review

risk reduction process

N

Survivor Needs Analysis (Life Insurance)

portfolio navigator

N

Asset Allocation & Investment Selection

N

Structuring Accounts for Different Goals

N

Retirement Savings Vehicle Comparison

Proactive Tax Advantage™

N

Personal Income Tax Review & Planning

crystal ball experience

N

Goals-Based Projections for Retirement, Major Purchases

Smart Education GamePlan™

N

Goals-Based Education Planning

Retirement Income & Distribution Plan $5000

The retirement & income distribution plan is a comprehensive financial plan. We help you figure out when you’ll have enough financial assets to make work optional. If the client is already retired, the retirement plan will provide guidance on a sustainable level of spending. Consideration will be given to tax efficiency and optimal timing of various income sources, including Social Security, pensions, life insurance cash values and IRA distributions. Roth IRA conversions will be modeled, taking income tax and estate considerations into account. Long-term care planning and estate planning will be emphasized. Plan will include up to three different scenarios regarding retirement timing, downsizing/relocation, etc. Fee includes online access to our financial planning portal and up to six financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement.  The financial advisor does not have discretionary authority.

 

Reality Check Report

N

Cash Reserve Planning

N

Mortgage/Debt Analysis

N

Personal Balance Sheet

N

Employee Benefit Review

crystal ball experience

N

Cash Flow based projections for retirement, including a detailed income and expense budget, income taxes and a probability analysis. Base case plus up to two alternate scenarios.

N

Social Security Analysis

N

Pension Benefit Analysis

portfolio navigator

N

Asset Allocation & Investment Selection

N

Structuring Accounts for Different Goals

N

Retirement Savings Vehicle Comparison

Proactive Tax Advantage™

N

Employee Benefit Review

N

Retirement Tax Arbitrage & Roth IRA Conversion Analysis

risk reduction process

N

Survivor Needs Analysis (Life Insurance)

N

Property-Casualty Insurance Analysis

N

Long-Term Care Needs Analysis

Smart Education GamePlan™

N

Goals-Based Education Planning

Legacy Builder Blueprint

N

Estate Plan Review

N

Beneficiary Review

Legacy & Wealth Transfer Plan $7500

The purpose of the Legacy and Wealth Transfer Plan is to help high-net-worth individuals make the most of their financial resources. Beyond the core aspects of a comprehensive financial plan, the Legacy and Wealth Transfer Plan may address issues such as business transition/succession, intergenerational wealth transfer and charitable planning. Fee includes online access to our financial planning portal and all meetings for the first six (6) months of our association, commencing with the date of this agreement.  The financial advisor does not have discretionary authority.

Reality Check Report

N

Cash Reserve Planning

N

Mortgage/Debt Analysis

N

Personal Balance Sheet

N

Employee Benefit Review

N

Residential Estate Analysis

crystal ball experience

N

Cash Flow based projections for retirement, including a detailed income and expense budget, income taxes and a probability analysis. Base case plus up to two alternate scenarios.

N

Social Security Analysis

N

Pension Benefit Analysis

portfolio navigator

N

Asset Allocation & Investment Selection

N

Structuring Accounts for Different Goals

N

Retirement Savings Vehicle Comparison

Proactive Tax Advantage™

N

Personal Income Tax Review & Planning

N

Retirement Tax Arbitrage & Roth IRA Conversion Analysis

Legacy Builder Blueprint

N

Beneficiary Review

N

Estate Plan Review

N

Business Transition or Succession

N

Charitable Planning

N

Estate & Wealth Transfer Planning

Smart Education GamePlan™

N

Goals-Based Education Planning

risk reduction process

N

Survivor Needs Analysis (Life Insurance)

N

Property-Casualty Insurance Analysis

N

Long-Term Care Needs Analysis

Mini Plan – Building Your Future $1000

The Mini Plan provides a clear plan for meeting long-term goals – typically retirement and education. Emphasis is placed on debt reduction, creating an estate plan, establishing retirement and education savings accounts, and determining survivor life insurance needs. Fee includes online access to our financial planning portal and two financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement.  The advisor does not have discretionary authority.

The Mini Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, beneficiary review, estate plan review, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, and retirement savings vehicle comparison.

Mid-Career Wealth Builder Plan $2500

The purpose of the Mid-Career Wealth Builder Plan is to help clients balance the competing needs of funding their current lifestyle and future goals like educating their children and living comfortably in retirement. Managing debt, making a career change, starting a new business or helping aging parents are often concerns. Blended families may present budget and estate planning challenges. The plan will use a goals-based approach to help clients prioritize their savings, investment and insurance choices. Employee benefits packages will be analyzed, and personal income tax returns will be reviewed. Fee includes online access to our financial planning portal and up to four financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement.

The Mid-Career Wealth Builder Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, employee benefits review, beneficiary review, estate plan review, personal income tax review & planning, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, retirement savings vehicle comparison, goals-based projections for retirement & major purchases, and goals-based education planning.

Retirement Income &
Distribution Plan $5000

The retirement & income distribution plan is a comprehensive financial plan. We help you figure out when you’ll have enough financial assets to make work optional. If the client is already retired, the retirement plan will provide guidance on a sustainable level of spending. Consideration will be given to tax efficiency and optimal timing of various income sources, including Social Security, pensions, life insurance cash values and IRA distributions. Roth IRA conversions will be modeled, taking income tax and estate considerations into account. Long-term care planning and estate planning will be emphasized. Plan will include up to three different scenarios regarding retirement timing, downsizing/relocation, etc. Fee includes online access to our financial planning portal and up to six financial planning meetings during the first twelve (12) months of our association, commencing with the date of the signed agreement.  The financial advisor does not have discretionary authority.

The Retirement Income & Distribution Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, employee benefits review, beneficiary review, estate plan review, personal income tax review & planning, retirement tax arbitrage & Roth IRA conversion analysis, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, retirement savings vehicle comparison, cash Flow based projections for retirement, including a detailed income and expense budget, income taxes and a probability analysis (base case plus up to two alternate scenarios), social security analysis, pension benefit analysis, goals-based projections for retirement & major purchases, and goals-based education planning, long-term care needs, and property-casualty insurance.

Legacy & Wealth
Transfer Plan $7500

The purpose of the Legacy and Wealth Transfer Plan is to help high-net-worth individuals make the most of their financial resources. Beyond the core aspects of a comprehensive financial plan, the Legacy and Wealth Transfer Plan may address issues such as business transition/succession, intergenerational wealth transfer and charitable planning. Fee includes online access to our financial planning portal and all meetings for the first six (6) months of our association, commencing with the date of this agreement.  The financial advisor does not have discretionary authority.

The Legacy & Wealth Transfer Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, employee benefits review, beneficiary review, estate plan review, residential estate analysis, personal income tax review & planning, retirement tax arbitrage & Roth IRA conversion analysis, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, retirement savings vehicle comparison, cash flow based projections for retirement, including a detailed income and expense budget, income taxes and a probability analysis (base case plus up to two alternate scenarios), social security analysis, pension benefit analysis, goals-based projections for retirement & major purchases, and goals-based education planning, long-term care needs, property-casualty insurance, charitable planning, business transition or succession planning, and estate & wealth transfer planning.

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