Your Financial Partner Through all Life’s Twists and Turns
Wolff Financial provides comprehensive financial planning. From cash flow optimization to retirement planning, We work together to plan for your optimal financial future.
Pricing
ONGOING FINANCIAL PLANNING
Single
$3,600
Couple
$4,800
INVESTMENT MANAGEMENT
FOR ONGOING FINANCIAL PLANNING CLIENTS ONLY
First $500,000
Included
$500,001 - $1 million
0.5%
$1,000,001 +
0.25% with cap of $25k
Fees may be paid via ACH on a monthly basis or debited from investment account if managed by Wolff Financial.
ONE TIME FINANCIAL PLAN
On occasion, Wolff Financial works with clients on a project basis. During our work together we will go through the same process described above, but you will take the financial plan to go. This service is best for DIYers who want an extra set of eyes on their finances, but want to execute and manage the plan on their own.
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A typical one time planning fee is $2,500, but may be adjusted for complexity.
Process
STEP ONE
DISCOVERY MEETING
The Discovery Meeting is a free consultation that will help us determine if Wolff Financial is the right fit for you. If we decide to move forward with financial planning, I will send a proposal and onboarding materials after this meeting.
STEP THREE
ORGANIZATION MEETING
The Organization Meeting will help you sort through your financial life. This will not only help us with gathering information for the financial plan, but also give you peace of mind knowing that all of your information is in order.
STEP FIVE
EMBARK MEETING
The Embark Meeting is when we will go over the next steps to reach your goals. Don't worry, I won't just hand you a 100-page report and send you on your way. Together we will set deadlines and I will serve as your accountability partner as you execute your financial plan.
STEP TWO
VISION MEETING
During the Vision Meeting, we will dive deeper into what you desire most and what money means to you. The desired outcome of this meeting is to set overarching goals that will guide your financial plan.
STEP FOUR
CASH FLOW MEETING
The Cash Flow Meeting is where we will go over your historical spending habits and create a system that you can stick to moving forward.
STEP SIX
PLANNING MEETINGS & CHECK INS
Life happens, so we will keep in touch to stay on top of any changes that need to be made and keep you up to date on your progress. The first year will be more time intensive as we implement your financial plan. Following years we will meet 2-3 times a year. This looks like a New Year, Spring, and Fall Planning Meeting. I will always be available throughout the year for ad hoc meetings.
Topics
CASH FLOW & DEBT MANAGEMENT
I will work with you to assess your current income and expenses. Together, you’ll determine how to best manage your cash flow and prioritize outstanding debt, keeping in mind available tax benefits, interest rates, and your overall financial goals.
EMPLOYEE BENEFITS OPTIMIZATION
Wolff Financial can support you in making the most of your own employee benefits, such as your 401(k) or savings plans. If you own your own business, I can also help you identify the employee benefits solutions best suited to your business needs and personal retirement goals.
RETIREMENT PLANNING
Whether you are just getting started or at the peak of your career, Wolff Financial can help you understand your current position in relation to your retirement goals, as well as steps to take to increase the likelihood that your wealth outlives you.
INVESTMENT ANALYSIS
Wolff Financial can help uncover the best investment vehicles and strategies, given your unique investment goals and risk preferences.
RISK MANAGEMENT
Risk is inherent in your financial picture, but understanding how and when to manage it is key to your financial success. I will help you understand your exposure and make decisions related to risk.
COLLEGE SAVINGS
Whether you’re looking to set aside college tuition funds for your children or your grandchildren, I can help you determine how much to save and for how long.
ESTATE PLANNING
In conjunction with your personal attorney, Wolff Financial can help you gather and create the proper arrangements—including a will, trust, and tax strategy, among other documents—to protect your family legacy.
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INSURANCE
From life, disability, and health insurance to home, automobile, and long-term care insurance, Wolff Financial supports you as you navigate possible insurance options and helps you understand how to select policies that provide the proper protections.
TAX PLANNING STRATEGIES
Wolff Financial works with you and your tax professional to understand how to minimize the impact of taxes on their overall financial picture.
FINANCIAL GOALS
There are many life goals outside of retirement. I will help you bridge the gap between where you are right now and where you hope to be someday. Together we will identify the steps and budget management techniques you need to meet your financial goals.