Financial Planning

What is financial planning, exactly?

There are many pieces to your financial life that need to fit together, much like a puzzle.  Your likelihood for success is higher if you build out the edge pieces first before moving to the interior.  Developing a sound financial plan is very similar.  Some of your puzzle pieces may include:

  • Finding a safe withdrawal rate and discussing which accounts to draw down first
  • Exploring Social Security maximization & timing strategies
  • Understanding efficient charitable (or non-charitable) gifting strategies
  • Helping you see what’s possible
  • Reviewing your insurance policies and annuities (if applicable)
  • Developing and monitoring financial goals going forward

      You might be wondering…

      What does your financial planning process look like?
      • We’ll begin with a collaborative conversation with you.
      • Then we’ll ask you for a short list of financial information that you can easily and securely upload to our client portal, mail to us, or drop off at our office.
      • Once we have a draft ready for your review, we will reach out to schedule a time to review with you. Any additional changes or updates will be made before we send you a final version of your plan.
      How much will a financial plan cost me?
      • Our Investment Management clients gain our Financial Planning services on a complimentary basis. We want you to do more financial planning with us, not less.
      • If you aren’t interested in our Investment Management services and want to hire P&A solely to do a financial plan for you, the cost is $1,000. Half is due upfront, and the other half is due at the conclusion of the plan.
      • For our Financial Planning only clients, we will do a refresh of your plan at the one-year mark.
      What are the benefits to me of going through your planning process?
      • We provide you with clear and specific short-term action items and recommendations.  In a nutshell, clarity, wisdom, and purpose.
      • During this entire process, we will help you define your financial goals, optimize the resources you already have, and recommend a plan with a trajectory toward a sound financial future.
      • Along the way, we often uncover additional Complimentary Services that add value to your financial life.
      • “The plan” represents a point in time and is merely the beginning.  Ongoing planning will be the catalyst for your best outcome.
      What if I don't want a full financial plan?
      • For our Investment Management clients, we offer our Five Uses of Money analysis as an alternative to a full plan.
      • This is a great option for our younger clients who want to know if they’re on the right path to financial freedom.
      • Five Uses analyzes which portion of your income goes to living expenses, savings and investment, charity, debt, and taxes.

      Have additional questions about Financial Planning, or ready to get started?

      Since 1995, Pittenger & Anderson has guided individuals and families going through money-in-motion events. We are a fee-only Registered Investment Advisor and a full-time fiduciary providing investment management, financial planning, and complimentary services to 700+ clients in over 30 U.S. states.

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