FREE
Workbook & Articles
7 Secrets to Financial Independence
“Passionate about finding harmony between personal values and finances which leads to financial freedom.”
.gif){kind=small}
5201 Great America
Parkway, Suite 320
Santa Clara, CA 95054
Phone: 408-657-6880
Fax: 408-273-6390
Life-Integrated Financial Planning...Helping You Fit the Pieces Together
You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life. Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be?
To be effective, financial planning needs to be coordinated. Each piece of the financial plan needs to accomplish its own specific tasks as well as support the tasks of each other piece. We call this life-integrated financial planning, and we are experts in this area. We’ll look at your entire financial picture and help you fit the pieces together properly.
We'll ask you lots of questions, including:
- What does your ideal life look like? Read more about Goal Setting
- Do you know where your money goes each month? Read more about Cash Management
- Are you confident that you and your assets are adequately and properly insured? Read more about Risk Management
- Will you be able to retire with the lifestyle you want? Read more about Retirement Planning
- Who is deciding what happens to everything you’ve accumulated when you die—you or the state? Read more about Estate Planning
- Are you funding your child’s education at the expense of your future? Read more about Education Funding
|
Comprehensive Financial Planning Makes the Difference for Gene and Maria Gene and Maria thought they had addressed all their major financial concerns. An attorney prepared their wills when their first child was born. A local insurance agent sold them auto, home, and whole life insurance policies. They managed their own investments using a discount broker, following the advice in top magazines along with occasional suggestions from Maria’s stock-broker brother. They both contributed some to the retirement plan available through their employers and regularly set aside money for their children’s education. They used the same CPA who had always prepared Gene’s parents’ tax returns and always received large tax refunds which they would use to make extra principal payments on their mortgage. But this year they ended up owing several thousand dollars in taxes and had to dip into their education fund to pay their tax bill. They decided it was time to hire a financial planner and were referred to a local Cambridge Advisor. It was the first time someone had looked at their entire financial picture, and it was an eye-opener. While Gene and Maria had always received professional advice, no one had ever coordinated that advice, and many of their financial decisions that seemed wise were actually hurting them. No area of their finances was accomplishing what they wanted it to. Working with a Cambridge Advisor, Gene and Maria built a solid foundation for their financial future. After discussing their goals for their future, their fee-only Cambridge Advisor helped them to update their wills, decrease their tax burden, save money on their insurance premiums, and increase their savings for emergencies and retirement. And when they recently learned they were receiving an inheritance from Maria’s grandparents, the first thing they did was call their Cambridge Advisor to schedule an appointment so that the money would be put to the best possible use. Their Cambridge retainer allows them to call any time their situation changes at no additional charge. |
Would you worry less if you had a
life-integrated financial plan?
Contact us to learn how to keep your finances from ruining your
enjoyment of life.
Certified Financial Planner Board of Standards Inc.
owns the certification marks CFP®, CERTIFIED FINANCIAL
PLANNER™ and
in the U.S., which it awards to individuals who successfully complete
CFP Board’s initial and ongoing certification requirements.