Financial Planning for Every Phase of Life.
Finances change depending on what phase of life we’re in. We’re here to guide you through it all.
How Financial Planning Works
Meeting with a financial planner can be intimidating. Here’s what to expect.
Step 1) Intro Call
Step 2) Organization
Step 3) Your Financial Plan
Step 4) Monitor & Update
Step 1) Intro Call
The goal is to get to know each other. We want to make sure this is the right fit for you. We will discuss your goals, and our process in more detail. The purpose of this call is to see if it makes sense to work together.
Step 2) Organization
We will gather and organize all of your financial data in one spot. Having everything organized feels great!
Step 3) Your Financial Plan
The Financial Plan will provide:
1. Understanding of your current financial situation
2. What areas we recommend making adjustments to
3. How and when we will make those adjustments
4. The plan to stay accountable to stay acountable to the plan
Step 4) Accountability and Adjustments
Life will happen. Time will bring changes.
We will continue to meet together at least quarterly to adapt and plan accordingly.
Finances for Every Phase of Life.
Your life situation is unique. Your plan should be too.
Cash Flow and Debt Management
We’ll guide you through setting up a Cash-Flow System to make sure your cash flow is going where you want it to. Be that debt pay-off of other important goals.
Credit Card POints Planning
Based on your spending, we’ll help you identify the right credit card and reward programs to take advantage of to maximize travel and other benefits.
Insurance & Estate Planning
It’s amazing how overlooked this area is by most households. We review your current individual policies, property & casualty, group benefits, and other insurance policies to determine how much protection you need to keep your finances intact should something happen while making sure your assets are protected.
Education Planning
We’ll make sure you are allocating your dollars appropriately and taking advantage of every education perk available.
Risk Management
A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning.
Retirement Planning
Retirement is a word thrown around with much negativity. The truth is everyone has an individual definition for it. Do you plan to stop work altogether? Maybe still working but you want to supplemental income? Based on what your goals, we’ll determine the best recommendation for you.
Tax Planning
Are you fully aware of the potential tax deductions, credits, and other consequences you may incur? We make sure that you are in the most cost-effective position for your situation.
Real Estate Planning
Are you planning on buying your dream home? Or perhaps you’re looking to sell it? Real estate holds unique tax perks that should be analyzed with care when making an executive decision and our plans take this into account.
Investment and Stock Options Planning
Not sure if you’re maximizing your investments or stock options? In evolving markets, you need a portfolio optimized to match your time horizon and your liquidity needs. A combination of low-cost funds and tax-efficient allocation ensures your returns enhance your goals and we help build a plan that’s unique for your situation.
Let’s work together
Financial Planning for Every Phase of Life
Three Phases Wealth Advisors, LLC (“Three Phases Wealth Advisors”) is a registered investment advisor offering advisory services in North Carolina and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Three Phases Wealth Advisors in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Three Phases Wealth Advisors, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.