Financial Planning

What is financial planning, exactly?

There are many pieces to your financial life that need to fit together 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:

  • Understanding which accounts to draw down first and finding a safe withdrawal rate.
  • Exploring Social Security maximization & timing strategies
  • Developing tax-efficient charitable & family gifting strategies
  • Reviewing your insurance policies and annuities
  • Monitoring your financial goals and plan 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 will I benefit by going through your financial 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 or need 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.
      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 $2,000. Half is due upfront, and the other half is due at the conclusion of the plan.
      • If you decide to become an Investment Management client within 12 months of paying for a P&A financial plan, we will credit the $2,000 toward your future management fees.
      • For our Financial Planning only clients, we will do a refresh of your plan at the one-year mark.

      Additional questions? Ready to take the next step?

      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 800+ clients in over 30 U.S. states.

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