Personal Financial Planning

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Our “Plan First” Approach

In order to make plans for tomorrow, you have to know where you stand today. That’s why we Plan First, Then Invest.

Your financial plan is more than just a road map that tells you how to get from where you are today to where you want to be tomorrow. And developing your individual plan isn’t just a one-time event. It’s an ongoing process where we help you discover, define and refine your goals and dreams.

Our comprehensive planning process organizes your financial life and divides your assets into two buckets: one for the short term and one for the long term. By making sure your short-term liquidity and income needs are met, we can then make investment decisions that support your long-term goals.

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Here are the top ten things our high net worth clients receive from our expertise at Fleming & Associates, LLC an Investment Advisory Firm:

  1. Maintain lifestyle in retirement
  2. College education funding
  3. Protect current level of wealth
  4. Aggressively grow wealth
  5. Leave an estate for heirs
  6. Charitable giving
  7. Minimize income and capital gains taxes
  8. Improve household cash flow
  9. Better manage market risk
  10. Maximize tax benefits for individuals and businesses

Our Comprehensive Financial Planning ensures our clients are well-balanced in their savings and investment approach in order to achieve their short and long term financial goals.

We monitor all aspects of your plan and meet with you regularly to make sure that your plan remains in line with your goals.

Investment Advisory services offered through Fleming & Associates, LLC; a state Registered Investment Advisor. Fleming & Associates, LLC and Kick the Fear out of your Finances (KTFOOYF) are independent of one another. CA Insurance license number 0B42473.

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