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Financial Planning

What is a Financial Plan?

Your financial plan from Financial Pathways is the step by step instruction book for your financial life! 

The plan starts by creating a model of your financial future.  The model provides you with a "sneak peak" into your own financial future.  More importantly, it lets us test all kinds of "what ifs" as we develop an action list of recommendations.

We take a holistic approach to planning, considering all aspects of your financial life.  Plans may address retirement, education, government benefits, insurance, investments, estate plans, housing, taxes - or all of the above.

I guess you can figure all of this out on your own.  But why be your own guinea pig?  We have planned hundreds of successful retirements for our clients.  Let us put that experience to work for you!  

 

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A Plan to Reduce Anxiety and Stress

"I feel so much better now that I know there is a real plan!"

We hear this all the time from our clients.  And why not?  This is complicated stuff, and the stakes are enormously high!  With so much uncertainty involved, is it any wonder we worry about money? 

A good sound retirement or financial plan from our team of New Jersey based fee only ffinancial planners can set your mind at ease.  We consider all of the what ifs - and provide a plan to address them! 

We do what we do so you can sleep at night.  So give us a call and see how we can wash away some of your stress and worry.  

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The Fee Only Difference

A financial plan is worthless unless you have the confidence with which to put the plan in motion.  And confidence requires TRUST.

This is why we have taken the road less travelled as FEE ONLY financial advisors and planners.  We receive no commissions or third party payments which may influence the advice we give.  We are paid by and work for NO ONE BUT OUR CLIENTS.

Our clients can TRUST the advice we provide because they understand that there is no hidden agenda, no self interest being served.  That means our plans are more likely to be put to use improving our clients lives - and that means much more to us than a foregone commission check.  

 

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Planning for Retirement

A majority of our clients initially come to us for help planning retirement. Your plan will help answer all of your retirement related questions, such as these:

How much do I need to save

How do I distribute my assets in retirement?

When should I claim social security?

Can I afford to stay in my current home? 

What about medical costs and long term care?

What steps should I take to minimize taxes? 

Do I need to change my investment strategy?

How do I make sure I won't run out of money?

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Financial Planning for Divorce

Divorce will likely be one of the most important financial transactions of your entire life.  Doesn't it make sense to have a financial specialist on your side? 

Our Certified Divorce Financial Analyst can help guide you before, during, and after the process to make sure that you start your new life in the best possible financial position.  

We understand that divorce can be a difficult time.  But it doesn't have to be a financial disaster.  Getting good sound financial counsel can help ensure that you start your new life on sound financial footing.  

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Holistic Life Planning

We think financial planning is done best when it looks at the whole of your financial life.  A comprehensive financial plan does just that.  Think of it as a financial physical.  Update your plan every year to stay in tip top financial health! 

Your holistic financial plan will answer questions like these: 

Am I saving enough for retirement? 

Am I invested appropriately? 

Is my budget and cash flow in balance? 

Am I paying more than I need to in taxes?

Do I have adequate insurance to protect myself and my family? 

Is my estate plan in order? 

Am I prepared for a financial emergency? 

What can I do to improve my financial health?

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