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Fee-Based Financial Planning

Financial planning is at the very core of the services we provide to individuals and families seeking to build, preserve, and manage wealth over time. Retirement income planning, education planning, tax and estate planning and risk management services are components of a larger, more comprehensive financial plan designed to achieve multiple financial and lifestyle goals. Your plan also provides for your heirs and defines the legacy you choose to leave.

Our secure, customized website allows you and designated family members to see a complete, real-time snapshot of every financial balance you have across financial accounts and institutions. With your permission, the site can be accessed by your other trusted advisors, including attorneys and CPAs.

This complete aggregation of balances from your checking, savings, investment accounts, credit card companies and mortgage companies provides you with an accurate, daily net worth statement that then dynamically overlays your financial plan, enabling you to see if you are on track every step of the way.

Whether you are in the accumulation phase or have already retired, a sound strategy is crucial to:

  • Meeting your retirement income needs, desires and expenses
  • Maintaining lifestyle choices and priorities
  • Ensuring that long-term goals and aspirations for travel, healthcare, estate planning, charitable giving and other goals are funded

We can help you develop a comprehensive plan to:

  • Minimize taxes on income—now and during retirement
  • Retain ownership and control of your assets
  • Evaluate the variables in your retirement plan to ensure alignment with your goals and objectives

Education Planning

Whether you’re paying tuition costs now, or saving for a future goal, it’s important to ensure that your education strategy is compatible with your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. It’s important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.

Since we’re an independent firm, we’re under no pressure to recommend proprietary education savings programs or investment products. Our only concern is which program best addresses your needs. The following are among the most popular education savings plans available today:

  • 529 Plans
  • Coverdell Education Savings Accounts
  • Uniform Gifts to Minors Act
  • Uniform Transfers to Minors Act

At Guidant Wealth Advisors, we will work diligently to evaluate the best options for you, relative to your child’s educational and career goals, and your overall financial plan. Choosing a school or career path can be an exciting process, and one rich with opportunities. We strive to keep you from having to limit your choices for financial reasons.

Divorce Financial Planning

The process of going through a divorce is at the very least unsettling, and in many cases, devastating to all involved. Unfortunately, mixed in with the emotional trauma is the reality of arriving at an equitable financial agreement, especially when support for children is required. While the spouses and their associated attorneys may make a good-faith effort to reach a fair agreement, the personal strain can often lead to decisions which, over time, are less equitable than had been anticipated.

At Guidant Wealth Advisors, we are available to step in and assist our clients during this very difficult time. We will take a long-term view of the value of assets and the ultimate financial needs of our clients, and try to structure plans that will be suitable over the years to come. Once complete, we stand by you to assist in establishing an overall financial plan for your new future.