Comprehensive Financial Planning
This encompasses all areas of a client's financial life, including purpose and life planning, cash flow and lifestyle management, insurance planning and risk management, retirement planning and income distribution, education planning, investment and asset management, tax planning, strategic giving, and wealth transfer and estate planning. We cover each of these areas for our clients, as their own individual circumstances require.
After we have established goals, it becomes critical that the financial resources we have set aside to achieve them are working in our best interest. This means effectively managing not only returns, but also risk. We understand that our clients' will react differently to different investments in different economic cycles. Therefore, we are careful to fully understand our clients' tolerance for risk and then recommend investments that are appropriate. We don't recommend "stocks of the day", rather we apply asset allocation, diversification and other sound investment principles that have proven to be effective over long periods of time. We also make monitoring the investments we recommend a top priority.
As a Fee-Only firm, Collie Financial Planning, Inc. is compensated solely by its clients, and does not accept commissions or compensation of any kind based on the products or strategies we recommend. By eliminating the inherent conflicts of interest that are so prevalent in the financial advisory world, particularly those associated with commissions and product sales incentives, our clients can always rest assured that we are working in their best interests, not for the interests of a brokerage firm, a bank, and/or their shareholders. There are no products of the month or sales goals to hit. We are 100% client focused, 100% of the time. Further, we serve as a FIDUCIARY ADVISOR to our clients.
Extensive College Planning
Most parents think that "college planning" and "saving for college" are the same thing. Most parents do not plan for college until it becomes urgent. This lack of planning actually increases their out-of-pocket college costs and may needlessly divert thousands of dollars from other savings goals, such as retirement. College planning includes funding strategies that can help parents REDUCE their college costs, not just SAVE for college costs. Collie Financial Planning, Inc. is a leader in providing college planning and funding solutions to parents of college-bound children, helping them solve their college funding dilemma. Whether your income is $50,000 or $500,000, our expertise is intended to help you save on out-of-pocket college costs, save untold hours of research and effort attempting to become an expert in college funding and planning, and prepare and pay for college effectively and efficiently, without incurring suffocating debt or robbing retirement and other savings accounts.
To view more information on our page devoted to college planning, click here.
401(K) Plan Design
At Collie Financial Planning, Inc., we help company plan sponsors understand and fulfill their legal requirements as fiduciaries on their company retirement plans. This includes a detailed process of Organizing, Formalizing, Implementing and Monitoring a standard set of Global Fiduciary Practices. We partner with leading providers in the industry to establish and manage premier retirement plans for our small and medium sized business clients.