Personal Wealth Strategy

Financial Blueprint

You’ll prioritize up to three non-negotiable life goals. And we’ll design a comprehensive plan to achieve each of them. From there, we’ll also consider your most important aspirational goals. Your blueprint will provide data-backed recommendations for optimizing cash flows, debt service payments, savings contributions, and investment contributions.

Cash Flow Planning

We’ll ensure your money is always being used in service of your most important life goals. Rather than setting a budget, we’ll focus on setting goals. And as long as you hit your spending, debt servicing, saving, and investing goals, everything else can be spent stress and guilt free.

Asset Location Strategy

Your assets should always be positioned in a way that allows easy access to your money when it’s needed. We’ll ensure the location of your assets provide you with both accessibility and tax-efficiency. This includes establishing new accounts and consolidating old accounts.

Investment Recommendations

You’ll receive investment recommendations designed to achieve your goals and objectives. This includes overall asset allocation (split between stocks, bonds, cash, etc), as well as specific investment recommendations within each asset class. This will cover all invested assets, including 401(k) or any other employer-sponsored savings plans.

Risk Management Strategy

No matter how great your plan is, it can all come crashing down if risks aren’t properly managed. Your risk management strategy will have three primary components: emergency cash, managed investment risk, and insurance. If you need additional insurance coverage, Reflective Wealth earns no commissions on recommendations.

Implementation Guidance

You’ll receive detailed instructions on how to implement each aspect of your initial plan. And you’ll also receive 1:1 support, as needed, to ensure everything is properly implemented.

Optional Add-Ons

Annual Review and Strategy Update: $1,000

1:1 Financial Coaching, as needed: $250 per session