Getting Started: Mapping Where You Want To Go
In creating a plan, we need to identify your goals and the time and money necessary to pursue them.
When planning a road trip, you obtain maps and estimate driving or flying times. You estimate the length of the trip, and the money necessary to achieve it. If you are a hiker like I am, you also estimate your stamina and manage this, to reach the trail's high points, and the final evening destination.
In capturing your financial data, we establish the basis for these projections. Having a plan can put you on track for solid footing in promoting a secure future. All planning services are offered on a retainer basis, billed in hourly increments.
To download my monthly budget worksheet template, click here
For my divorce planning kit, click here to request a divorce planning kit.
For my bridal kit, to smooth couple discussions around their combined family finances, click here.
Certified financial planner Kathleen Nemetz helps people of all ages organize their financial lives and get on track to building and maintaining wealth. She also works with divorcing couples or individuals as a certified divorce financial analyst.
Starting with a first conversation, financial planning is meant to be an affordable and highly valuable investment in your future.
About five hours minimum is necessary to produce a basic financial plan, using statistical evaluation and asset allocation tools. Divorce analysis cases usually require much more time as they usually involve interaction with client attorneys, as well as with you, the client. Fees are $300 per hour.
Not sure what you need? Schedule the exploratory session for $150. The one-hour consultation will equip you with several important documents, including a net worth statement and a statement of cash flows or budget.
We will cover a lot of ground. You will be able to move forward on your goals and decide whether you need a deeper analysis to achieve them more confidently coming out of the meeting.
We will build an action plan to keep you navigating toward goals over a longer time. My clients come back whenever they need financial advice.
The 50/20/30 rule suggests that no more than 50% of your cash inflows should be going to cover essentials like food and housing and repayment of long-term educational debt. Twenty percent should be allocated to your future needs and retirement.
The remaining 30% should be allocated to lifestyle choices. Download my template guide to help categorize your expenses, and if you’re living larger than these guideline limits, see me soon.