Financial Planning

We can help with one-time financial planning projects in as many or as few areas as needed. Cost is based on the scope and complexity of the project. We have created the below planning packages based on past needs for convenience.

If you’d like to have a conversation about your specific situation and how we can help, we’d love to hear from you. Contact us anytime.

Getting Started

Assess overall financial position
Determine goals and timelines
Prioritize cash flows and debt utilization
Optimize employee benefits
Set up automatic contributions to retirement/savings
Implementation coaching and support

Financial Tune-Up

Determine net worth, liquidity and financial position
SWOT analysis
Blindspot check
Action items
One-page financial summary
Implementation coaching and support

Marriage

Develop household spending and savings plan
Create future cash flow plan summary
Analyze insurance and estate needs
Identify and discuss pillars
Assist with employee benefits selection
Implementation coaching and support

Retirement Planning

Retirement cash flow projections
Social Security maximization analysis
Investment risk analysis
Prepare and evaluate “what if” scenarios
Determine sustainable withdrawal rate
Includes Financial Tune-up

Investment Planning

Current holdings analysis
Risk tolerance assessment
Evaluate asset allocations to optimize strategy
Stress testing and future projections
Recommended changes
Technical analysis

Budgeting & Cash Flows

Review your income and spending
Create spending plan
Set up automatic savings
Set up automatic retirement contributions
Deliver future cash flow summary worksheet
Implementation coaching and support

College Planning

Determine best funding source
Asses tax benefits, cash flow and FAFSA availability
Determine funding method (529/UTMA/UGMA/prepaid)
Estimate future values of expenses
Account opening and investment recomendations
Ongoing advice and support

Debt Reduction Planning

Review your income and spending
Create spending plan
Assess credit score
Create optimal debt payoff schedule
Discuss recommended behavioral changes
Implementation coaching and support

Inheritance / Large Cash Inflow

Discuss what this means and how it affects you
Figure out short-, mid-, and long-term goals
Help determine most appropriate use of funds
Tax planning (with help from our CPA)
Perform “what if” scenarios showing possibilities
Ongoing management, coaching and support

Schedule your free initial consultation to get started today!

Schedule a Free Consultation

Follow-up or individualized responses to consumers in a particular state by our firm in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption. No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdictions. Please note that not all of the investments and services mentioned may be available in every state. J.W. Cole Financial Representatives do no accept orders and/or instructions regarding your account by email, voicemail, fax or any alternative method.

Advisory services offered through J.W. Cole Advisors, Inc. (JWCA). Securities offered through J.W. Cole Financial, Inc. (JWCF), member FINRA/SIPC.

Shepherd Wealth Advisors and JWCF/JWCA are unaffiliated entities.

For a copy of JWCF’s Form CRS, JWCA’s Form CRS, or JWC’s Disclosure Supplement please click here. By following the link, you consent to receipt of the Form CRS electronically.

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