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Financial Planning

At ClientFirst Strategy, Inc., your financial well-being is vital for a secure future. Financial planning is a series of conversations that empowers you to make informed decisions, navigate uncertainties, and achieve your goals. We collaborate with you by combining our decades of experience and dynamic financial planning software to create a personalized roadmap that considers your resources and expectations. By being process driven, we could help reduce making decisions based on emotions.

  1. Setting Clear Goals

By having intentional conversations, we help you define your short-term and long-term goals, providing clear direction and motivation for effective financial and investment planning.

  1. Household Cash Flow Management

We will work together to create a cash flow plan that allows you to track your income and expenses, enabling you to allocate your funds wisely, and promote savings and investment for your future.

  1. Emergency Fund and Risk Management

Life inevitably throws challenges our way, that derail us from achieving our goals. First, we will help you to determine adequate emergency funds appropriate for your needs.  Second, to manage risks that may exceed the capacity of your emergency fund, we will develop an insurance plan, ensuring financial stability during unexpected hardships.

  1. Debt Management

We believe that there is good debt and bad debt. We’ll help you identify opportunities to use good debt to grow your net worth, and eliminate bad debt, potentially freeing up resources for savings and investments.

  1. Investment Planning

Each investment that we choose for your portfolio is chosen to play a role. This could include growth, income, stabilization, and/or diversification. We provide ongoing monitoring of your investments with us, so we could be on the lookout for needed adjustments to make sure our investment management remains consistent with your financial situation.

  1. Tax Planning

When it comes to tax planning, it’s not how much you make, it’s how much you keep. By collaborating with your tax professional, we look to implement tax saving strategies, that could potentially minimize your tax liabilities and preserve more of your income and investment returns for future benefit.

  1. Retirement and Longevity Planning

The word Retirement has taken on so many meanings to so many people, that we feel it has lost its usefulness as a clearcut financial goal. Instead, we focus on your view of how you wish to live in your later years. Whether that includes working or not, we choose to use the words longevity planning, which involves complex coordination of housing, transportation, and healthcare. This could include speaking with your trust and estate attorney and gathering necessary documentation to allow us to collaborate with a trusted contact regarding your account(s) with us.

Are you ready for our process? Reach out to set up a 15 minute call: 631-920-6624

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