Financial Planning


Creative Planning is Both an Art and a Science

We constantly face change in the economy that creates confusion in our financial lives. Not long ago, a good pension and/or Social Security guaranteed a secure retirement. Today, however, there are no promises, no guarantees. Inflation, constantly changing tax laws, increasing volatility of investments, job changes, and other factors beyond our control can cause havoc with short- and long-term financial plans. We identify client passions, intentions, and objectives to deliver sound advice for your life today and in the future.

We constantly face change in the economy that creates confusion in our financial lives. Not long ago, a good pension and/or Social Security guaranteed a secure retirement. Today, however, there are no promises, no guarantees. Inflation, constantly changing tax laws, increasing volatility of

investments, job changes, and other factors beyond our control can cause havoc with short- and long-term financial plans. We identify client passions, intentions, and objectives to deliver sound advice for your life today and in the future.

We Look at You Holistically

Over the course of your lifetime, your dreams, goals, and circumstances change. Through life’s ups and downs, we’ll be there to provide guidance, monitor your progress, and help keep your plan in sync with your life. Your comprehensive financial plan will cover the following:

We Look at You Holistically

Over the course of your lifetime, your dreams, goals, and circumstances change. Through life’s ups and downs, we’ll be there to provide guidance, monitor your progress, and help keep your plan in sync with your life. Your comprehensive financial plan will cover the following:

 Basic Information

Personal data, including relevant personal and family data for those covered under the plan.

 Goals & Objectives

Your goals and objectives, including their priority and desired time frame for achievement, where applicable.

 Identification

Identification of issues and problems, including education costs, taxes, major illnesses, and other factors that are or may develop into a problem.

 Assumptions

Assumptions used in plan preparation, such as inflation, investment growth, mortality rates, and all other material assumptions, should be clarified and confirmed.

 Balance Sheet

An analysis that includes, but is not limited to, a schedule listing assets and liabilities with a calculation of net worth and itemized schedules of liabilities and assets to be included, as appropriate.

 Cash Flow

Statements and analysis to include, but not be limited to, a statement of your sources and uses of funds for all relevant years, indicating net cash flow as well as a separate income statement, where appropriate.

 Income Taxes

A statement and analysis to include, but not be limited to, the income taxes for all relevant years covered in the plan. Projections should show the nature of the income and deductions to permit calculation of your tax liability. The analysis should identify the marginal tax rate for each year and any special situations such as alternative minimum tax, passive loss limitation, etc., that affect your tax liability.

 Risk Management

An analysis of your financial exposure relative to mortality, morbidity, liability, and property, including your business if appropriate. This section should list and analyze current risks and insurance policies, including life, disability, medical, property/casualty, liability, and business.

Organize Your Financial Life With Your Own Digital Wealth Management Portal

Organize Your Financial Life With Your Own Digital Wealth Management Portal

Commons Capital Advisors | Financial Planning

DASHBOARD

A consolidated view of everything you own and everything you owe, updated daily.

INVESTMENTS

Interactive charts and detailed summaries increase knowledge of your investment accounts.

SPENDING

Track spending habits, monitor cash flow and stay on the right financial path.

BUDGET

Set budgets and keep track of progress as you work to reach your savings goals.

Commons Capital Advisors | Financial Planning

DASHBOARD

A consolidated view of everything you own and everything you owe, updated daily.

INVESTMENTS

Interactive charts and detailed summaries increase knowledge of your investment accounts.

SPENDING

Track spending habits, monitor cash flow and stay on the right financial path.

BUDGET

Set budgets and keep track of progress as you work to reach your savings goals.

PLANNING INSIGHTS

“Our goals can only be reached through a vehicle of a plan in which we fervently believe, and upon which we must vigorously act. There is no other route to success.”

Commons Capital Advisors | Pablo Picasso
PABLO PICASSO

Spanish Artist

“Our goals can only be reached through a vehicle of a plan in which we fervently believe, and upon which we must vigorously act. There is no other route to success.”

Commons Capital Advisors | Pablo Picasso
PABLO PICASSO

Spanish Artist

                 

© 2017 Commons Capital Advisors, LLC.
All rights reserved.

              

© 2017 Commons Capital Advisors, LLC. All rights reserved.