Modular Financial Planning

Over the years we have found that most people cannot do “comprehensive financial planning” because it is too complicated, therefore, we have incorporated a philosophy of Modular Financial Planning. Modular Financial Planning is executing the Financial Planning process one step at a time.

At GCM, we combine the Financial Planning process with Life Planning to empower our clients. This process helps you gain understanding and insight essential to making decisions about what’s next for you, and what your money can do for you in the coming years. Our process addresses several areas such as cash-flow and debt management, investments, insurance, taxation, retirement planning and estate matters.

We can provide you with a financial retirement forecast computed from your current situation. You will see what impacts your net worth, your retirement assets, your annual net cash flow and your savings. Working with an estate planning attorney, you will see how your estate plan would play out in the event of your death, and how much life insurance is needed to protect your family and leave your legacy intact.

We help you get clarity and answers to key financial questions like:

  • What do I really want my money to do for me?
  • How can I maximize my Social Security benefits?
  • Do I have enough money to retire without fear of outliving my money?
  • How should I organize my assets and liabilities to help best achieve my goals?
  • Is my current spending pattern sustainable?
  • How should I invest my money to improve my chances of meeting my goals?
  • Are my family members protected in the event of my death or disability?
  • Am I unknowingly exposing my family to risks by not having a will, a living trust or a durable power of attorney?
  • How will my beneficiaries fare when I pass on?
  • How can I pass more of my estate on to my heirs tax free?

This process identifies your key opportunities and potential risks in the areas of retirement planning, investments, insurance, tax strategies, long term care and estate planning.

We can help you distinguish between your “needs” versus your “wants.” We partner with you to identify the highest priority items that need to be addressed the first year, then the second year, etc. Then we help you implement your plan and coach you to stay focused on the road ahead.

When things “pop up” in life that make you question what choice to make, we are here to “test and adjust” your options to help you to make the most financially sound and personally fulfilling choices.

To get started click here.