Services
THE CUSTOMIZED APPROACH
There are a variety of financial topics that are included in a complete financial plan but every client is different. If you have a specific question in mind, a brief meeting to develop a plan of action is all you may need. However, if you have multiple items to discuss, a more comprehensive financial plan may be required.
Schedule a FREE 30-minute phone consultation to learn more!
FINANCIAL PLANNING SERVICES
Financial planning is a step-by-step approach to analyzing your finances and projecting the future values needed to achieve your goals. With a plan that is customized to your unique situation, we can help you build and protect your family’s wealth. Let’s take a closer look at the steps within the process.
Our Process
GET TO KNOW YOU
We assess your current financial situation and establish a relationship with you and your family. This is done through consultations and the gathering of documents such as financial statements, tax filings, insurance policies and other relevant items.
DEFINE YOUR GOALS
We help you define your personal goals and financial objectives. In order to measure our progress over time, we will help you determine a specific dollar amount to assign for each goal.
IN-DEPTH ANALYSIS
We will analyze the information in our financial planning software to see where there are strengths and vulnerabilities, which may derail you from meeting your short or long-term goals.
PERSONALIZED RECOMMENDATIONS
We will develop recommendations based on your resources, objectives and comfort level. Your plan’s recommendations will work to minimize the impact of fees and taxes while balancing risk and return.
EXECUTING YOUR PLAN
We explain the financial plan to you in detail and you will receive a copy for your records. You can execute the plan’s recommendations at your current institutions or through Campos Financial’s Investment Advisory Services.
NVESTMENT ADVISORY SERVICES
As a CERTIFIED FINANCIAL PLANNER™, I act as a fiduciary for all my clients. This means that my recommendations are always made with your best interests in mind. Being independent but still having access to some of the most respected and established brokerage firms in the industry, allows me the flexibility to recommend a broad range of investments to meet your needs.
Our Process
GET TO KNOW YOU
We establish a relationship with you to understand your past investment experiences and your future financial goals.
REVIEW YOUR PORTFOLIO
We do an in-depth analysis of your current investment portfolio in order to determine which assets to keep and which assets to reallocate more efficiently.
DEFINE YOUR ALLOCATION
We discuss the current market environment and how it may impact your portfolio. We agree on a diversified set of investments to begin investing.
ACCOUNT ASSISTANCE
We assist in the account opening and transferring process. Our automated systems minimize delays and make the process easy with electronic signatures and secure document uploading.
INVEST AND MONITOR
We invest your portfolio and provide continuous monitoring so you can focus on your family. We schedule quarterly or annual meetings and provide market updates as needed.
Financial Planning Topics
BUDGET ANALYSIS
Get an in-depth look at your monthly income and expenses. Find areas where you can save money and then reallocate those funds towards a goal such as paying down credit cards or planning a vacation.
DEBT AND STUDENT LOAN ANALYSIS
Review all your monthly debt payments and see where a change in terms, payment structure or service providers will save you money. With a customized plan, you can set new target pay off dates without the help of a debt consolidating company.
COLLEGE PLANNING
There are a lot of different programs to help parents and grandparents of young children pay for college. We will research your state’s options and discuss the fees, investment options, impact on financial aid, taxes and other implications of your choices.
INSURANCE ANALYSIS
We will create a Needs-Based analysis of how much insurance is needed to cover things like your income, rent or mortgage payments and personal possessions. Learn how permanent life insurance can be a valuable savings vehicle later in life.
FINANCIAL STATEMENT PREPARATION
Get the help you need in creating important documents like balance sheets, cash flow statements and other items to qualify for loans or complete a business plan.
INVESTMENT ASSET ALLOCATION
Open an investment account or learn what to expect from your current investments- in both good and bad times. Evaluate the risks, fees and replace expensive investments with low cost options that will boost your account over time.
RETIREMENT PLANNING
Get the help you need to understand your company’s 401K or open your own IRA. Maximize your contributions to lower your taxable income or combine it with a Roth IRA if you are in a low earning year. We’ll choose investments that match your timeframe and we’ll stress-test them to see how much income you can expect during retirement.
EMPLOYEE BENEFITS ANALYSIS
Find ways to save money using your employee benefits. A simple change to your health care premiums or opening an FSA or HSA could save you hundreds of dollars. Reviewing your stock plan or deferred compensation now can avoid mistakes that result in big tax bills later.
TAX AND ESTATE PLANNING
Reviewing the tax implications of a financial plan is a critical step in ensuring its success. We can discuss a variety of topics. such as your dependents on your tax return, how to name beneficiaries who are minors or career changes such as going out on your own as an entrepreneur. These are just a few examples.
