Financial Planning

Most clients hire Continuum Wealth Management for the management of their assets, but over time clients come to understand the significant value in these ongoing, non-investment oriented services.  Financial planning is not a static event, but rather a dynamic journey that must be evaluated regularly.  Continuum Wealth Management believes that the pursuit of these financial planning areas is crucial to obtaining financial success.

Financial planning services are very broad in nature and are specific to each client's request or needs, but may include:

Retirement Planning

Retirement is probably one of the greatest concerns most of our clients have.  Can I afford to retire?  Have I saved enough for retirement?  How much longer do I need to work?  How much more should I save?  We will help you answer these difficult questions and provide you with a detailed retirement projection illustrating year by year whether you are on track to meet your goals.  If you are near retirement or in the retirement phase of your life, we will provide you with a strategy to spend down your portfolio assets in the most tax efficient manner possible, enabling you to maintain your lifestyle and providing you with financial peace of mind.

Estate Planning

It is important that your assets are coordinated with your estate distribution wishes.  We can provide a basic estate planning review and if needed, referrals to an estate planning attorney for the creation of estate planning documents or revisions to your existing documents.

Tax Planning

We identify potential areas to minimize taxes, review portfolio tax basis and utilize tax efficient recommendations for your investment portfolio.

Risk Management/Insurance Planning

Unexpected catastrophic events along your journey can impact your financial goals.  It is important to plan for your dependents and ensure goals can still be met.  As fee-only planners, we do not sell insurance products.  We evaluate risks and advise clients on the risks they should consider covering.

Net Worth Analysis

We will do a net worth analysis and provide an annual net worth statement to ensure your assets are working in the best manner possible to meet your financial goals and to determine progress of your overall financial situation.

Education Funding

If you are interested in funding education for your children or grandchildren, we can develop and recommend a college savings program and outline recommendations appropriate for your college planning needs.

Charitable Giving

If you are charitably inclined, we can help you gift assets in a tax-wise manner to maximize the benefit of your gift.

Cash Flow/Savings Analysis

We review all sources of current income vs. your total annual expenses and identify opportunity areas.


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Affiliations CFP Phoenix