Comprehensive financial planning is a continuous process that begins with one simple question: “What is important to you?” Once we work together to understand your goals and values around money, we can begin building your financial roadmap by setting goals and gathering the necessary data that helps determine your starting point. From there we can develop a plan to achieve your goals, put the plan into action, and monitor your progress closely and continuously so that we can adapt and make changes as necessary. Our mission throughout the process is to help our clients discover the value of financial planning by providing a collaborative, customized, and thought-provoking experience as we work together to help you build a life of fulfillment now and in the future. Below are some of the critical areas where we serve our clients:

Investment Management

Investment Management

Smart investing begins with a purpose. Instead of jumping straight to solutions, you should focus on the end goals—what do you ultimately want to accomplish? This might seem like an easy enough task but identifying your goals can be an involved process. Needs change over time and you should have investment strategies that can adapt with your life. The benefit of this approach is that you are aligned with a financial plan and investment strategy that truly matters to you and provides you with the solutions you need.

  • Portfolio Management

    Using research from a wide variety of sources, and some of the best portfolio management and research tools available, we actively manage investment portfolios in a range of risk categories.

  • Picking The Right Risk Profile for Your Investment Goals

    We work with our clients to identify their goals and determine the right risk tolerance and investment strategy that best fits their needs.

  • Constant Monitoring and Regular Rebalancing

    We diligently keep up with economic news, research, and trends, so you don’t have to. We constantly manage and adjust our investment allocations and regularly rebalance your portfolios to keep them in line with your risk goals.

Depending on your unique set of goals, time horizon, and risk tolerance, Citadel Financial Planning can craft an investment strategy and portfolio that fits your unique situation using state of the art industry technology and diligent market research.

Retirement Planning

Retirement Planning

Our goal is to help clients confidently answer these critical questions regarding their retirement:

  1. Am I on track to retire on my terms?
  2. Is my portfolio suitable for retirement based on my goals, my time horizon, and my tax situation?
  3. Can I eliminate, or at least reduce obstacles and threats to my retirement?
  4. If I’m not on track, what steps can I take today to make progress towards those goals?
  5. What legacy do I want to leave behind?
Insurance Analysis

Insurance Analysis

For the average consumer, making heads or tails of life insurance can be difficult and confusing. How do you choose the right insurance options? How do you select appropriate additional features and riders? You may even ask yourself if you need certain insurances in the first place.

At Citadel Financial, we can help you navigate these questions and implement insurance strategies that meet your specific needs and desires. Whether its reviewing your company benefits, property & casualty policies, disability coverage, or life insurance, we will walk with you every step of the way and connect you with respected experts when necessary.

Charitable Giving Strategies

Charitable Giving Strategies

Generosity is a Core Value of Citadel Financial Planning; but charitable giving is not only a way to fulfill your philanthropic desires. It can be used as a planning tool and offer benefits such as tax deductions, avoidance of capital gains on highly appreciated assets, and minimization (or elimination) of estate taxes upon your death. There are even certain charitable giving strategies and solutions that allow an income stream accessible during life.

Financial Life Coaching

Financial Life Coaching

At Citadel Financial Planning, we believe that nobody should have to navigate their financial journey without a guide. We want to be able to serve clients in all stages of life. If you just need some help getting your financial life in order before jumping into a comprehensive financial planning relationship, we can help you get started on your journey with our Financial Life Coaching program. 

We coach our clients through the basics we believe everyone should have organized in their financial life.  We help our coaching clients:

  • Actively managing their budget and spending using advanced budgeting tools.
  • Create a debt and credit management plan to priorities their efforts and get out of debt faster.
  • Understand how to build an emergency fund and what level of savings is right for them. 
  • Review and implement any applicable tax reduction strategies.
  • Organize a Comprehensive Investment and Risk Management Strategy.
  • Make a plan for specific pre-retirement goals such as college funding, buying a rental/ vacation home, caring for a family member etc.
  • Build a living, adapting retirement plan that will help you make decisions today that will impact your goals in a positive way.
Tax Strategies

Tax Strategies

Helping our clients be tax efficient is one of our most critical responsibilities. When it comes to tax planning, we must look through two lenses: the Micro Tax Lens and the Macro Tax Lens. The Micro lens is all about reducing taxes in the current year while the Macro tax lens is all about reducing taxes over your lifetime, particularly in retirement. How we balance those two lenses is largely dependent on your unique situation, time horizon, and preferences.