See A Sample Financial Plan

By Brett Gottlieb

With a world of information at our fingertips, we can find reviews, history, product specifications, and more details than we’ll ever need about anything we want to buy. In other words, before making a major purchase, we can arm ourselves with information to make the best choice possible.

While creating a financial plan is in a different category than buying a car or putting an offer on a home, we believe it’s just as significant of an investment and you should know what you’re getting before you pay a penny.

Because we develop custom financial plans for each client, it’s no easy task to provide one without working with you extensively. However, we wanted to share what your potential financial plan could look like so you can picture the depth of our analysis and how this understanding can benefit your future financial life. If you choose to work with us, here is a sample of what you can expect.

What Does A Financial Plan Include?

First, you may be wondering about what goes into a comprehensive plan. Financial plans often address a myriad of concerns and goals, from college planning to retirement income strategizing. Depending on your needs, your plan may narrow in on one element or address multiple goals you’d like to achieve over time. Whatever you choose to focus on, your financial plan is designed to serve as your road map, helping you navigate the years before, during, and after your transition to retirement.

We believe a good financial plan should give you a detailed, complete view of your current financial situation, a thorough modeling of where you want to be, and the actions you need to take to reach those goals. It should address all the pieces of your financial puzzle, from stresses and fears to your values and dreams, and include risk factors, cash flow, retirement, estate planning, taxes, education, and income strategies to help bring you clarity and guidance. It is through our planning process that we can help you prepare for life’s expected and unexpected circumstances.

The result is a simple yet powerful blueprint to guide you toward financial freedom.

Let’s Take A Closer Look

The following examples below look at a fictional client’s lifestyle income plan and how we developed it, including identifying their goals, creating a balance sheet, reviewing their cash flow, and diving into specific strategies, such as ways to optimize plans for taxes and Social Security taxes and Social Security.

Keep in mind that these are only hypothetical plans presented to illustrate what a client’s plan may resemble when they work with us. The characters and circumstances are completely fictional and are for illustrative purposes only. Be sure to seek the advice of a qualified professional for your particular situation and not rely upon any of the information herein to make personal financial decisions.

We start with a thorough financial analysis, covering goals, projected retirement dates, income, assets, expenses, and more.

This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario and should not be construed as advice designed to meet the particular needs of an individual’s situation.

In addition to a detailed study of each of your goals and a clearly mapped-out plan to get you there, we also create a risk management plan to help cover your bases and give you increased confidence. Using Riskalyze, an online tool based on Nobel Prize-winning research, we determine your unique risk number and analyze your current asset allocation to see if your portfolio is aligned with your risk tolerance.

This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario and should not be construed as advice designed to meet the particular needs of an individual’s situation.

Taxes are also a critical factor in your financial longevity. How you position your assets and the decisions you make can have a significant impact on your tax burden. We look at multiple tax scenarios to show you your options so you can make informed choices.

And since Social Security is also an important piece of your retirement income puzzle, we help you look at your claiming options and determine the strategy that will help optimize your benefits.

This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario and should not be construed as advice designed to meet the particular needs of an individual’s situation.

This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario and should not be construed as advice designed to meet the particular needs of an individual’s situation.

Get Started On Your Plan!

If you want to see even more features of our financial plans, click on the following links: Social Security Report Sample, Financial Analysis Sample, Tax Clarity Sample, and Riskalyze Investment Policy Sample. Once you’ve taken a look, reach out to us at Comprehensive Advisor today to schedule a no-obligation consultation, and together, let’s find out if we’re the right people for you to depend on during your journey to a comfortable retirement. Email us at info@ComprehensiveAdvisor.com or call (760) 813-2125 to get started.

About Our Advisors

Brett Gottlieb is the founder of Comprehensive Advisor and a financial advisor with nearly two decades of industry experience. He graduated from California State University-Chico with two bachelor’s degrees in Business Administration and Economics. Brett is Life Insurance licensed in several states. He is passionate about guiding his clients on retirement income planning, helping each client pursue their specific retirement goals and defending the assets his clients have worked so hard to achieve. Brett is a California native and currently resides in San Elijo Hills with his beautiful wife and three children.

With a combined experience of over three decades in the financial services industry, our advisors hail from some of the largest independent broker/dealers and banking institutions in the country. They have dedicated their professional careers to creating personalized financial solutions for individuals and families who seek successful retirement planning and currently offer investment advisory services through AE Wealth Management, LLC. Our advisors take a common-sense approach to the planning process and work with clients to create a retirement road map to help ensure their assets are protected and they receive the income needed to enjoy their future. Based in Carlsbad, California, they work with clients throughout San Diego County and beyond. Learn more by connecting with Brett on LinkedIn or email them at info@ComprehensiveAdvisor.com.

Comprehensive Advisor, LLC is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Comprehensive Advisor are not affiliated companies. C.A. Financial & Insurance Services, CA Ins. Lic. #6000262. This material is intended to provide general information and is believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither the firm nor its representatives may give tax or legal advice. Investing involves risk, including the potential loss of principal. Any references to protection benefits, safety, security, lifetime income, etc. generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. 890159 – 4/21

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