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What Is Financial Planning?

Process, Driven by Your Goals

Financial Planning is the process of developing strategies to help you manage your financial affairs so you can build wealth, enjoy life and achieve a sense of security. In many ways, this is a process driven by your life. Getting to know you is the most important step in developing a successful financial plan for you. That’s why we consider our first meeting to be a fact-finding mission. Our goal is to find out…

  • What motivates you?
  • What are your goals?
  • What do you worry about?

Once we understand the answers to these questions we can develop personalized strategies to meet your goals.

Strategies, Designed with a Holistic Approach

Many individuals take a piecemeal approach to financial planning; they only engage in planning when major life events occur and then only respond to areas immediately affected by those events.

At CWS, we take a holistic approach by taking a proactive and comprehensive view to planning. We aim to uncover gaps in your financial picture so we can take preventive measures along with uncovering financial planning opportunities.

The only way to discern such gaps and find financial planning opportunities is to look at a your entire financial picture all at once. Thus, we focus on several different areas of planning, which include:

  • Retirement Planning
  • College Funding Strategies
  • Wealth Protection Planning
  • Investment Planning
  • Estate Planning
  • Tax Strategies
  • Maximizing Employee Benefits

Implementation, Guided by Your Advisor

A plan is only as good as its proper follow-through; CWS will assure that you implement your plan in a timely and effective manner. You will not be alone in this process, as we will be there to guide you.

Financial planning is also something that cannot be done once in lifetime and put away. A good financial plan must be reviewed and revised periodically to take into account life and goal changes as well as changes in laws, taxes and capital market conditions.

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