McCurdy Financial Solutions
I approach each client’s unique situation with the utmost care and precision. This way we can ensure the decisions we make are aligned with your exact circumstances and goals.
As part of my commitment to transparency, I publicize my rates so that you can know exactly what you will be paying for with your hard-earned money. You do not have to worry about unexpected costs or hidden fees.
- 2-hour minimum
- Best for a specific set of financial questions or a one-time project.
- MOST POPULAR OPTION
- $100,000 household minimum
- Financial advice as needed
- Best when finances are below minimum investment or are managed elsewhere.
Financial Planning Process
Adhering to well-defined processes creates efficiencies and reduces errors. That’s good for any business. Planning is also important to create realistic expectations for clients. Markets will fluctuate, but reporting on the portfolio, review of your risk tolerance, and how it fits together should be predictable. Please take a look at our 7-step approach to financial planning below.
STEP 1: Discuss & Assess
Step 1: Discuss & Assess
The financial planning process starts with a good understanding of where you are today. We’ll work together to create an inventory of your assets, including pensions and Social Security. We’ll take a look at how much your are able to save. Understanding where you are today will help determine if there are short term or long term needs for change.
STEP 2: Set Goals
Step 2: Set Goals
At this point, we’ll take a look at what you are trying to accomplish. The process is geared towards a successful retirement. But other goals, such as college funding, estate planning, or saving on taxes are discussed as well. This is where we determine what is most important to you and what you are trying to accomplish.
STEP 3: Analyze
Step 3: Analyze
This is behind the scenes work with various software tools. The Monte Carlo simulator will run 1,000 market scenarios on retirement outcomes. The investment risk software will show likely volatility and returns with the investments. We will project and optimize for Social Security, Medicare, and others items specific to you. I’ll also use this time to research any topics that require investigation.
STEP 4: Find Best Options
Step 4: Develop Recommendations
This is more behind the scenes work. The results from the analysis will reveal the best options for your situation and what you’re hoping to achieve. We’ll package these results into an easy to understand financial plan with easy to understand tasks.
STEP 5: Present & Review Options
Step 5: Present & Review Options
In this meeting, I’ll present the plan back to you. We’ll go over all the findings from the analysis. We’ll go through all the tasks that need to be done. If there are tasks for you to do, I’ll give you direction on that as well.
STEP 6: Take Action
Step 6: Take Action
At this point, the Discover, the analysis, and the results work is all complete.
- Investments will be aligned to your risk tolerance and your goals.
- Transfers will process and new money will be added to investment portfolios (if applicable).
- Decisions on pensions, social security, healthcare, etc. will be communicated to the appropriate entity for execution.
STEP 7: Monitor & Update
Step 7: Monitor & Update
At this point we have a good plan and the initial pieces have come together.
We’ll focus on longer term goals such as estate documents, tax planning, as well as the portfolio monitoring.