AT Applied Capital, we simplify the process.

 

We start with your life as the central focus, and then move outward to identify the strategies that fit your specific needs. We understand there are multiple components that make up each client’s overall financial picture and we evaluate each of those components to provide the best solutions for each situation.


Elements of Financial Planning

GOALS / PRIORITIES

  1. What is important to me? My family?

  2. What do I want out of life?

  3. How do I want to spend my time now, in 5 years, in 20 years?

  4. Do my current actions reflect my priorities?

 

RETIREMENT / NET WORTH

  1. Am I saving enough?

  2. How am I doing so far?

  3. Am I going to be okay in retirement? How can I be sure?

  4. What type of retirement accounts should I be using?

 

INSURANCE & EDUCATION PLANNING

  1. Am I covered if I become disabled or die?

  2. Should I buy term or whole life insurance?

  3. What is long term care insurance and do I need it?

  4. How much do I need to save for my kids’ education?

CASH FLOW / BUDGET

  1. Where is my money going?

  2. Is my spending level normal?

  3. Is there a budgeting system that works?

  4. How do we save for big purchases?

 

INVESTMENT MANAGEMENT

  1. Do I have the right mix of stocks and bonds?

  2. Is the market going to crash? Should I get out?

  3. What return should I expect?

  4. Is it important to invest globally?

 

TAX & ESTATE PLANNING

  1. How can I minimize my taxes?

  2. Do I need a CPA?

  3. Do I need a will?

  4. Should I worry about estate taxes?

 

MONITOR & REVIEW

  1. How am I doing?

  2. Am I still on track?

  3. Should I pursue this new opportunity?

  4. How can I plan for the next phase of life?