Who Can Benefit From Our Services
For members who are facing overlapping or conflicting financial priorities, a financial plan can help you get organized, understand your resources and identify a clear path forward. The process of going through a financial plan is particularly valuable for individuals and families experiencing a life event such as marriage, divorce, death, new family member, a job transition or retirement. It can also be a great return on investment for young working professionals who are juggling student loan debt, 401(k) elections, employee benefit decisions, and paying taxes.
Our Process
When partnering with a CERTIFIED FINANCIAL PLANNER® professional, we listen to understand your unique relationship with money, the decision makers involved, and what success looks like to you. We follow a disciplined process and we put in the time to do it right. From financial history to current resources, limitations, and potential hurdles, together we’ll find the right path for you. Our goal is to help you feel educated and empowered about your money, so you feel secure making decisions.
Step 1: Initial Consultation
- Introduction
- Identify needs
- Establish how we work together
Step 2: Documents and Discovery
- Access to client portal
- Document review
- In-depth gathering of data
Step 3: Goals
- Align individual and family goals
- Set priorities
- Conduct needs analysis
Step 4: Financial Plan
- Create personalized net worth statement
- Deliver action plan
- Provide education as needed
Areas of Focus May Include
- Retirement Planning
- Cash Flow/Budget Planning
- Tax Planning
- Education Planning
- Risk Management Planning
- Investment Planning/Asset Allocation
- Business Planning
- Estate Planning
Financial Planning Fees
Your personal financial plan pricing will vary depending on complexity, and will be determined during your complimentary initial consultation. The fee for a plan starts at $2,400 and only the most complex plans will exceed $4,000.
What's Included
- At least four meetings with a CERTIFIED FINANCIAL PLANNER® professional
- Document review and in-depth data gathering
- A facilitated discussion to set priorities
- Personalized financial statements including net worth and cash flow
- An action plan with specific recommendations
Additional Features
- Risk tolerance analysis
- Stress test investment portfolio
- Interactive scenario modeling to balance today’s spending with your future dreams
- Implementation assistance can also be provided, if desired
Schedule an Appointment
To schedule an appointment, or for more information about our investment and retirement services, please email us at DCRIS@DeltaCommunityCU.com or call 404-677-4890.
