Financial Planning

At American Retirement Planners, financial planning is an organic process. Together we define your objectives, then create and impliment a strategic course of action to achieve them. Navigating through the process is an educational experience for our clients as well. ARP blieves our clients must understand all aspects of their financial plan to make informed and inteligent decisions.

Your financial plan is much more than random decisions and investments. It is a coheasive yet evolving strategy for your financial vision. This integrated approach to financial planning and management sets ARP apart from many other firms.

Why choose ARP to develop your financial plan?
• Establish clear goals to achieve your life aspirations
• Gain a clear understanding of your finances and investments
• Have a disiplined approach to making sound financial decisions
• Build confidence and peace of mind about your future

What is the planning process?
ARP takes a disiplined approach to the financial planning process with our clients to bring order and reason to their financial affairs. We use a Six-Step Process to get you organized, set goals and develop strategies to meet them:
• Introduction
• Discovery
• Ideas
• Clarity
• Implementation
• Review & Update

We will carefully examine the details of your financial situation, including:
Personal Goals Define and document your personal and financial goals.
Balance Sheet Detail your assets and liabilities and net worth to define an accurate picture of your current financial position and provide a baseline to measure your financial progress.
Cash Flow Statement Examine annual income and expenses to align your money management practices with your long-term goals and objectives.
Tax Planning Provide estimates of your tax liability and recommend strategies to reduce it.
Capital Needs Analysis Determine your retirement needs and other funding goals.
Investment Review Review your existing investments. Assess your investment strategy and risk profile as it relates to your financial goals and objectives. Develop a personalized asset allocation for your entire portfolio, make specific investment recommendations, initiate trades, and monitor and report on your portfolio.
Employee Benefits Review Review your employee benefits program(s) and make recommendations to your returns.
Deferred Compensation and Stock Options Planning Help you understand your stock options, deferred compensation, restricted stock rights, and related corporate benefits.
Estate Planning Review estate planning documents and plan for maintenance and disposition of your assets, reducing tax burdens and making gifts.
Charitable Planning Assist you in identifying charitable giving opportunities and create strategies to achieve objectives.