Our Financial Planning Services


 

Jill and Beth offer a choice of services ranging from the Financial Tune-Up to the Full Retainer.  All financial planning clients start with the Financial Tune-Up.  After completing the Tune-Up, we are happy to discuss additional options with you.  If a Full Retainer is appropriate, your Tune-Up fee will be credited against the fee for the Full Retainer.  Additional in-person meetings and phone conferences are available to clients currently under contract.
 
In addition to the financial planning services offered, Beth offers services in Divorce Financial Analysis for those going through the divorce process. 
 
 
Financial Tune-Up
 
The Financial Tune-up is a one-time, two-and-a-half hour financial planning session.  This is the entry point for new clients or may be used those clients who have not had a recent appointment.  The Tune-Up is not typically a comprehensive plan but can serve as a second opinion, financial check-up or a way to obtain advice on a limited set of issues such as retirement planning or investment diversification.
    

Includes:

  • Specific written recommendations and analysis (generated at meeting)
  • Telephone/e-mail assistance for 30 days after meeting
  • Client letters for 2 years after meeting
     
 To view our Tune-up contract please click here: Financial Tune-Up Agreement
 
 Cost:    $800 (payable at time of Tune-Up).

(A special "Young Couples/Singles" rate of $650 is available for clients under the age of 35 with a net worth of less than $100,000)

To get started:

  • Call our office to set up an appointment for the Financial Tune-Up
  • Two weeks before your appointment, please fax, mail or drop off a completed questionnaire and the items listed on the last page of questionnaire

  




Full Retainer
 
In addition to development of a comprehensive financial plan, the full retainer includes personal tax preparation plus ongoing implementation and assistance. It's like having a personal trainer help you achieve your financial goals.
  
 

THE GIANOLA FINANCIAL PLANNING FULL RETAINER INCLUDES . . .

 

Financial Planning
 

We help you set attainable goals for the near term and for the future to build your upside and protect your downside. We review your goals for financial independence, cash flow management and college planning and set out a strategy to achieve those goals and help you stay on track.   

 

Investments Analysis
 

Are your present investments appropriate for your risk tolerance, your tax bracket and your long-term goals? We provide an objective, informed analysis.

 

Asset Allocation Strategy
 

We can show you how to balance your investments to hedge against extreme economic cycles. Diversification appropriate to your investment horizon can enable you to reduce portfolio risk while substantially enhancing your return on investments.

 

No-Load Implementation
 

We analyze no-load funds and make specific recommendations appropriate to your particular situation. We also help you implement our recommendations.

 

Insurance Review
 

We will review your insurance needs, current coverage and deductibles, as well as examine policies before you purchase them. 

 

Estate Planning
 

We can help you think through how you want your loved ones taken care of and your assets divided, with emphasis on reducing estate taxes and probate costs.

 

Tax Planning and Preparation
 

We prepare your personal income taxes and provide you with professional advice year-round. By teaching you how to reduce your taxes, the amount you save can offset all or part of our annual retainer fee.

 

Record Keeping System 
 
We provide you with a system for organizing, filing, retrieving and archiving your personal records. We can also help you get set up on Quicken.

 

Additional Benefits
 
All meetings and telephone/e-mail communications are included at no extra charge.
 
 

Cost:     $4,500 to $15,000 the first year, depending on complexity of situation. In subsequent years, the fee is approximately 45% of first-year fee ($2,000 minimum).

To get started:

  • All clients start with a Financial Tune-Up, so the first step is to call our office to set up an appointment for your Tune-Up.
  • At least two weeks before your appointment, please fax, mail or drop off the completed questionnaire and the items listed on the last page of the questionnaire.
 



 
 


Our Fee-Only Commitment

We provide comprehensive financial and investment planning for a fee

 and receive no commissions from the purchase or sale of products.

 

 

 

 

                                    
©2010 Gianola Financial Planning, LLC. All rights reserved.