Financial Planning & Guidance

Stop Worrying, Start Planning

Your financial path is as individual as you are. Expanding your family, shifting careers, nearing retirement, or organizing your estate – each phase brings its own financial nuances. That's where our Financial Planning program steps in. We dive into understanding your financial personality and where you are in life's journey, offering practical steps tailored just for you.

 

Life is More than Numbers —Your Financial Plan Should Be Too

Highly Personalized
With in-depth conversations, we’ll review your financial goals, assets, income, cash flow, your financial style, values, and life circumstances.

Life Stage-Specific Coaching
Prepare for different life stages including growing a family, retirement, career transitions, estate planning, and more.

Multiple Scenario Analysis
Examine several financial strategies, compare, and contrast them to determine the one that aligns best with your goals and values.

Tax Strategy Insights
Experience a unique approach that merges financial planning and tax considerations with your life's events.

Complementary Expertise
We enhance your financial team by ensuring you're getting the most out of your existing financial planners or broker-dealers.

Outcomes Not Sales
This is not about asset recommendations or commissions. Our only focus is on helping you solve the puzzle of your financial life.

How It Works

This highly-personalized financial education is shaped by your values, priorities, and unique life circumstances all with the goal of putting you on a stable long-term path.

Pre-Meeting Reflection

Before our first meeting, we’ll send some questions to help you paint a rough picture of where you are and where you’d like to be. Don’t worry, this won’t be a math test and won’t require precision. We just want your thoughts to set the foundation for a richer, more meaningful dialogue.

Initial Meeting

In an hour-long discussion, we'll gain a sense of your financial style, priorities, assets, income, cash flows, and other factors which make your life and financial needs unique. We’ll also look at your recent tax returns for a more complete picture.

Detailed Review

Next, we’ll go to work carefully analyzing your financial data, considering everything from assets to cash flows to lifestyle.

Strategic Discussion

We reconvene to evaluate your financial scenarios. Using your financial style and goals as a guide, we’ll discuss the most effective approaches to get you to your goal, while easing your burden day-to-day.

Annual Financial Check-In

We offer an annual check-in, usually during your tax prep, to align your financial strategies with your life's evolving goals. By merging financial planning and tax insights, we equip you with actionable knowledge for changes ahead.

Who It’s For

Made for individuals and families at transitional stages of their financial journey. We’ll blend tax strategy and financial planning within the context of your life.

  • If you’re in your 30s to early 40s, starting a family, and taking the initial steps toward retirement savings, our program helps demystify the financial intricacies, ensuring your hard-earned assets are channeled in ways that resonate with your values and long-term goals.

  • Navigating the transition into retirement can be bewildering. Our program is tailored for individuals within five years of retirement, providing a structured pathway to manage resources efficiently, plan for the unexpected, and step into this new chapter with confidence.

  • Whether you’re managing your own finances in middle retirement, or assisting a family member transitioning into late retirement, our program facilitates smooth financial transitions. This includes estate and trust planning, funding for assisted living, and other crucial financial decisions that arise during this life stage.

  • Engage in thoughtful planning to protect your assets and ensure your loved ones are cared for, exploring structured giving, tax-efficient inheritance strategies, and other estate planning essentials.

 

To help each client achieve financial clarity at every stage of life with kindness, personal attention, and expertise.

Meet Susan Gallagher

Licensed Tax Consultant, National Certified Guardian, NTPI Fellow

Every life story is unique. This is why my approach is to meet you where you’re at and your specific needs in your financial life.

I pride myself on being someone you can easily talk to, and I truly enjoy providing not only in-depth technical planning but also the education and emotional support that comes along with it. My approach goes beyond numbers; it's about understanding where you’re at on your life's path and how financial planning can be seamlessly integrated into your financial style.

With me, you're not just getting a financial plan; you're gaining a partner who's invested in empowering you for your financial journey.