Sycamore Financial Planning provides comprehensive financial planning services. As a result, we are able to help our clients in all of the following areas. Any and all of these service areas can be combined for initial engagements and on-going financial check-ups.
Evaluation of retirement savings and desired retirement lifestyle. Includes multiple “what-if” scenarios, analysis of retirement savings needs, and retirement income planning as appropriate.
Evaluation of current portfolio & fund expenses, a recommended asset allocation, and specific security selection to implement the recommended asset allocation. Includes IRAs, employer retirement plans, and taxable accounts.
Review of college costs at desired institutions, projected inflation, recommended savings amounts; recommended tax-advantaged savings methods, financial aid and loan options; a road-map for applying for financial support; and investment recommendations for college savings funds.
Evaluation of life, disability, and long-term care insurance policies’ strengths and weaknesses, followed by a recommendation on how much insurance needed and the most advantageous type of insurance products. Includes an analysis of needs for your family if you were to die or become disabled.
Review of current income, debts, monthly spending, fixed expenses, and savings goals; evaluation of how your spending and saving patterns contribute to or hinder attainment of your financial goals. Includes recommendations on debt reduction, suggested adjustments to spending and savings levels, and a discussion of how to accomplish these changes.
A thorough analysis of your investment portfolio, asset allocation, short- and long-term objectives and risk review. This option is designed both for those looking to evaluate the advice of their current investment advisor, as well as those interested in a third-party evaluation of their unadvised portfolios.
Various reviews and recommendations to help: maximize wealth transfer and minimize estate taxes; minimize probate expenses, delays and publicity. Recommendations for management of family assets and to meet individual circumstances including incapacity, special needs, blended familes and second marriages. Analysis of property titling to assure proper transfer.