Financial Planning services

Our Unique 5-Step Comprehensive Financial Planning Process

After you submit your application, we will start our relationship with a 30-minute complementary introductory call to determine if we are a good fit. If we decide to work together, we will proceed to working via video conference or in person depending on your location, your schedule and personal preferences. We will go through your financial goals and we will give you different options and outcomes for your specific situation.

01

DISCOVERY

MEETING

 

 

We will work with you to define and identify your financial goals, pain points and what success means to you.

02

GET ORGANIZED MEETING

 

 

Don’t worry about digging up all of your old financial documents. We will work together with you to track down your current investments, savings, debt, etc.

03

EXPLORE POSSIBILITIES MEETING

Together, we will brainstorm different scenarios and "what ifs" to analyze different creative ways to accomplish your goals

04

PLAN DELIVERY MEETING

 

 

We will develop and present different financial planning strategies and provide recommendations to improve your current financial plan.

05

IMPLEMENTATION MEETING

 

 

We will implement the remaining financial planning recommendations together to ensure that you are on track to meet your desired goals.

Topics WE cover in our financial planning sessions

 

We're so excited to work with you and create a strategy and a roadmap with a clear step-by-step plan to make sure you are all positioned to accomplish all of your life goals!

GENERAL FINANCIAL PLANNING

  • Purchasing a Home – Should I buy or rent? What type of mortgage should I get?

  • Debt Management – How do I reduce my overall debt?

  • Building a College Fund – How do I finance my child's college education?

  • Savings Goals – How much money should I have in my emergency fund?

investment planning

  • Investment Strategies – How do I maximize gains and minimize taxes?

  • Asset Accumulation – How should I diversify my portfolio, given my risk tolerance?

  • Generating Investment Income – What investment vehicles should I consider to generate income?

  • Real Estate - Should I invest in real estate?

Retirement planning

  • Building a Retirement Fund – What retirement vehicles should I consider when building my nest egg?

  • 401(k) and 403(b) Plans – How do I pick the investments for my 401(k) or 403(b) plan?

  • IRA Accounts – Should I choose a traditional or Roth IRA?

  • Social Security – How much will I receive in Social Security benefits when I retire?

INCOME TAX PLANNING

  • General Tax Return Filing – Should I file my taxes as single or married?

  • Tax Reduction Strategies – What tax deductions can I take?

  • Charitable Contributions – How do I maximize the tax advantages of my charitable contributions?

  • Small Business Taxation – How can I position my small business to minimize my taxes?

Employee benefits

  • Managing Health Insurance – Does my family have adequate health insurance?

  • Health Savings Accounts – Should I open a Health Savings Account (HSA)?

  • Incentive Stock Option Plans – How is my investment income taxed?

  • Restricted Stock Plans - Should I take an 83(b) election?

life transitions

  • Job Loss and Job Change – How do I financially plan for a job loss?

  • Change in Marital Status – How do I financially plan for a divorce?

Estate planning

  • Building an Inheritance – What estate planning vehicles should I consider when building an inheritance?

  • Wills and Trusts – Should I set up a will or a living trust?

  • Estate Tax Strategies – How do I reduce my estate taxes?

  • Incapacity Planning – How do I appoint a Power of Attorney?

insurance planning

  • Life Insurance Coverage – How much life insurance do I need?

  • Disability Insurance – Do I need additional disability insurance? 

  • Long-term Care Planning – What kind of long-term care insurance should I consider?

  • Property and Casualty Insurance - How should I insure my home?

Contact

Manent Capital

Concord, MA

781 389 0479

silvia@manentcapital.com

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