Financial Planning

Financial Planning Services

Are you among the 34% of individuals who have failed to plan for their financial future?1

A recent study revealed that roughly one-third of Americans have no financial plan at all and may be leaving their financial security up to chance. Even more worrisome is the fact that 43% of people haven’t spoken to anyone about retirement planning, including their friends and family.

In today's increasingly go-it-alone world, scores of people are left to navigate their financial lives on their own. So perhaps it’s not surprising that more and more of us are feeling less than confident about our ability to meet our long-term fiscal goals.

Fortunately, the Financial Planning team at Motley Fool Wealth Management is here to help!

We have assembled an experienced group of Certified Financial Planners and Financial Planning Associates that can assist you with a wide range of planning topics. Our areas of expertise include:


Savings and Debt Management

It seems like a simple equation — spend less than you earn. But it reality, it's easy to get off track. And that means taking time to reassess your fiscal picture to ensure that you are putting your hard-earned money to the best possible use in strengthening your financial position.

  • How much money should I be saving to meet all of my financial goals?
  • Which of my debts should I pay off first?
  • How should I prioritize the goals of saving and debt reduction?
  • Do I have sufficient emergency savings?

Retirement Planning

Retirement for today’s worker can stretch for three decades or more, which means that having some kind of a plan is vital. There are a lot of moving pieces to the retirement puzzle, and we can help put them all together into a plan that makes sense for you.

  • How much money do I need to comfortably retire?
  • Can I retire when I want to, or will I need to work longer?
  • Which of my investment accounts should I draw from first?
  • When should my spouse and I begin collecting Social Security?

Investment Planning

Saving money is half the battle – the other half is investing it in the right mix of investments that will grow over time and maximize returns. Your investment portfolio is the key to creating lasting wealth for you and your family, so you need to ensure you are appropriately positioned.

  • Do I have the right mix of stocks, bonds, and cash for my age and risk tolerance?
  • Is my portfolio overweighted in any certain areas or missing exposure to others?
  • Should I invest in individual stocks, mutual funds or ETFs? What about active and passive investment strategies?
  • Am I maximizing my assets by holding them in the correct type of investment account?
  • What kind of fees am I currently paying on my investments and are these fees appropriate?

Insurance and Risk Management

Unforeseen life events have the potential to wreak havoc on even the most financially cautious and vigilant amongst us. That’s why it's so important to consider these outside risks and ensure that guarding against them is an integral part of any comprehensive financial plan.

  • Are my spouse and I appropriately insured for the remainder of our working years and into retirement?
  • Are my existing insurance policies adequate, or am I paying too much for my coverage?
  • Do I have all the coverage that I need, including homeowners, automobile, disability, and life insurance policies? Am I paying for policies that I don’t really need?
  • Do I need long-term care insurance or umbrella coverage? Which type of policy is right for me?

Education Planning

Over the past decade or so, the cost of a college education has increased at a rate significantly above that of the broader inflation rate. And with few signs that costs will slow their upward climb in the future, planning for a child’s or grandchild's college education is more important than ever.

  • How much will I need to save for tuition, room, board, and other college expenses in the future?
  • Should I utilize a 529 plan, Coverdell ESA, prepaid tuition plan, or some combination thereof?
  • How will my assets and my child’s assets affect financial aid eligibility?
  • How much can I save for college expenses without jeopardizing my own retirement plans?

Tax Planning

Taxes are an unavoidable part of life, but there may be opportunities to reduce that tax burden — both today and in the future — that you have overlooked. We can help assess your tax picture and help you maximize your deductions and minimize your tax liability.

  • What are the tax consequences of my current investment strategy? Are there changes I could make that would result in greater tax savings?
  • Should I accelerate income if I am in a low-tax environment?
  • Do Roth IRA conversions make sense for me this year or in the future?
  • Are there any tax deductions that I should be taking that I am not right now?

Benefit and Estate Planning

Estate planning encompasses not only what happens to your assets after you die, but can also involve transfers of wealth while you are still alive. Putting a plan in place now can help ensure that your assets are distributed in the most efficient manner, according to your wishes.

  • What legal documents should I consider drafting with my estate planning attorney?
  • Should I utilize the annual gift tax exclusion to transfer assets to family or charity now or in the future?
  • Is a revocable living trust right for me?
  • What tools do I have to reduce my estate tax liability?
  • Am I making the most of the benefit package offered to me by my employer?

The Financial Planning team at Motley Fool Wealth Management has a collective wealth of knowledge and experience dealing with all of these different aspects of the planning process, and we want to put our capabilities to work for you!

Don’t leave your financial future to chance!

Give us a call at 844-408-4391 to chat with one of our friendly Financial Planning representatives today. We would be happy to determine how we can best serve your financial planning needs and provide a no-obligation price quote just for you.

Our financial planning services are priced based on the scope and complexity of each engagement. Our team of planners can put together a personalized planning package based on your individual situation, needs, and desires so you’re not paying for services you don’t need.


1 http://www.cnbc.com/2015/04/29/one-third-of-americans-lack-a-future-financial-plan-study.html

Call us today at 844-408-4391 to speak to a member of our financial planning team and find out how we can best help you achieve your financial goals.