Financial planning
A plan for everything you own — not just what we manage.
Most money decisions don’t happen inside a portfolio. They happen when you change jobs, sell a business, inherit an account, or start wondering whether you can actually retire. Planning is how we help you make those decisions well — and it covers all of it, including accounts that never move to us.
Financial plan — page 1
Illustrative. Every plan is built from your own numbers.
What planning covers
The questions we help answer.
If it involves your money, it’s in scope. The most common ones:
Retirement
When can I stop working, and what will I actually live on? We build the answer from your real numbers, not a rule of thumb.
Old retirement accounts
What should I do with the 401(k) from two jobs ago? There are exactly four options, each right for somebody. We’ll walk you through all four honestly.
Your business
Income, entity, taxes, and eventually an exit. If you own a business, your plan should treat it like the asset it is.
The unexpected
An inheritance, a settlement, a windfall, a loss. The decisions that arrive without warning are the ones worth slowing down.
You don’t need to organize anything before you call. A shoebox of statements is a perfectly good starting point — turning that into a plan is the job.
Bring us anything
This is what “bring us anything” looks like.
The hardest money questions don’t wait for an annual review, and they don’t always fit a category. Here’s a hypothetical example of how the relationship works when something real comes up.
Hey Kenny — attached is my latest 401(k) statement. I’ve been putting in 8% for years and just letting it ride. Anything you’d change? It’s not on your platform but figured I’d ask.
Thanks,
Sarah
The 401(k) review
Accounts you hold elsewhere are still part of your financial life — so we look, same day, and we get you on the phone to talk it through. The relationship covers everything you own, wherever it lives, and the conversation happens where it belongs.
A hypothetical illustration of our process. Not actual client communications, and not a recommendation to buy or sell any security. Individual circumstances vary.
How planning and investing fit together
Two jobs, one picture.
Planning and investment management are separate jobs, but they inform each other constantly. The plan tells us what your investments are actually for — which changes how they should be managed. And what we see watching your investments every day feeds back into the plan. Some clients hire us for both. Some start with one. Either way, you get the same standard: clear reasoning, written down, explained in plain English.
Start with one question.
Book thirty minutes and bring whatever’s on your mind — a statement, a decision, a shoebox. We’ll tell you what we see, and you’ll leave knowing your options.
Rensselaer, Indiana
212 South Van Rensselaer Street, Rensselaer, IN 47978
Serving Northwest Indiana and clients in 9 states