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Taking the Worry Out of

Your Financial Future

Financial planning is a life-long process, not a single event. The process of financial planning is much more comprehensive and integrative than simply managing investments.

The earlier the process is started the more easily you may achieve your goals and dreams. As a client of Rand Financial Planning, LLC, your holistic, personal financial plan will include the following:

GOALS AND VALUES.

Your goals and values are the foundation on which your personal financial plan is built. Everything else is coordinated so you can achieve your goals while remaining true to your values.

RISK MANAGEMENT.

Determining how much insurance coverage you need, what risks you can afford to self-insure, where you should buy your insurance, how much you should pay for it, and understanding and maximizing your employee benefit package are vitally important to your financial security.

ESTATE PLANNING.

Estate planning goes well beyond making a will. It may involve naming a guardian for minor children, making provisions for dependents with special needs, addressing medical directives and other end-of-life considerations, such as minimizing estate taxes, determining when a trust is appropriate, and deciding how to most effectively transfer ownership of a small business.

TAX PLANNING.

You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. Tax planning helps to lawfully structure your income and take advantage of the deductions and credits for which you qualify so you pay only what you owe when you owe it.

PORTFOLIO ANALYSIS.

We compile a complete inventory of your investments and analyze each for costs, tax efficiency, performance, risk and diversification. We help you to understand what you have and whether what you have is appropriate for you.

INVESTMENT ALLOCATION.

We use Functional Asset Allocation to create an overall net worth growth or preservation plan that protects you during market downswings and helps you fully participate in times of prosperity.

INVESTMENT IMPLEMENTATION.

We believe good financial advice must meet a fiduciary standard and be free of conflicts of interest. Therefore, we do not take custody of your assets, but rather, we help you evaluate your options and we work with you to implement changes to help you meet your financial goals.

RETIREMENT PLANNING.

Retirement planning is more than simply ensuring that you don't outlive your money. It also involves the timing of benefits, including Social Security. And beyond the money aspects, it's about how you will make your retirement years personally fulfilling and enjoyable.

CASH FLOW PLANNING.

Deciding in advance how you will spend your money ensures you are making regular progress toward financial independence and keeps your plan on track. If you are dealing with debt and spending issues, we will hep you set priorities and gain control over your money.

ONGOING CONSULTATION.

Our open retainer agreement means that, in addition to the services listed here, we provide advice via email any time you request it on financial matters that concern you.