Financial Planning
At Shenandoah Valley Financial Services we believe everyone has important financial goals, but although people often intend to plan for their financial future, they sometimes don’t quite seem to get around to doing so. If you are reading this, chances are you are considering financial advice along the following lines:
1) You've got a fairly good handle on your finances and investments but would like a more impartial opinion from an independent financial consultant to help make sure you are on the right track.
2) You need advice in planning your financial future from an independent financial consultant who can help sort through the details and provide a roadmap for you to follow.
3) You recognize that managing money is not your 'thing' and you would like to work with a financial planner you can trust to manage your money for you.
4) You are a business owner, attorney or physician, or professional and need financial advice on income tax strategies and investments as you work to grow your business or practice.
We understand taking the first step is in deciding how to proceed. To make it easier for you to get the assistance you need, we offer planning options to help address your current situation and objectives and we use WealthVision software solutions to communicate and manage your financial goals.
WealthVision is a client portal financial planning system that provides the ability to track your financial goals, monitor investment account values, manage a budget, plan for retirement, access bank-level encrypted cloud storage, and provide seamless communication between you and Shenandoah Valley Financial Services. WealthVision is intuitive and easy to use with an appealing mobile app that is readily available for our clients. Its budgeting software loads directly from transaction accounts so there is no need to guess or provide manual entry.
Select from our planning options below and let’s get in a conversation to discuss it:
Financial Consulting (Hourly)
For those who recognize they need a financial consultant to provide advice on specific financial questions, we offer an hourly rate. Advice that may be needed includes, but is not limited to:
- basic financial questions
- how to set up a budget
- insurance documents
- review and complete retirement account documents
- review and advise on investment accounts
- set up an estate as an executor
Essential Financial Planning
Pick one financial planning concerns or objective:
- Retirement
- Insurance/allocation
- Goal funding (for example, buying a beach house in 20 years)
- Education funding
Essential Financial Planning can be a good option for young adults, newlyweds, or as a sound financial planning base for anyone who wants to focus on one objective only. This option also makes a great gift to give a newlywed couple, a college graduate, or anyone you’d like to encourage good financial habits. It is a great way to help people reach a single goal, for example wanting to save to buy a house, pay off student loans, start a college fund for the kids, or start saving now for retirement.
We offer affordable and convenient payment options under this plan:
- pay by the hour
- monthly
- semi-annually
- quarterly, or
- once a year
Fiduciary financial advisors, John and Amy, will always put your best interest first and strive to give you peace of mind when working with you on your Essential Financial Planning goals.
Professional Complex Planning
Pick at least three financial planning concerns or objectives:
- Retirement
- Insurance (survivor income needs)
- Long term care
- Disability
- Investment or asset allocation
- Estate planning
- Education
- Business planning
- Income tax strategies (excludes tax advice)
- Goal funding (for example, buying a beach house in 20 years)
The Professional Complex Planning option can be a good choice for established households, people in their prime working years (35 - 65 years of age) who want to review their 401(k), get out of debt, insurance needs reviewed, or funding for children’s educations, – and basically anyone who wants to get their finances in good order and their investments set up suitably.
Under this plan you can focus on several areas of your financial life at a time. With Shenandoah Valley Financial Services, you can trust knowing that as fiduciary financial advisors we are legally required to put YOU first. Our desire is to help each of our clients to achieve and succeed with their financial goals.
Payment options within this category are offered on a schedule of one single payment, monthly, semi-annual quarterly, and annually.
You can switch between different planning levels at any time. For example, if you sign up for Professional Complex Planning to address several areas of concern you can contact Shenandoah Valley Financial Services later to revisit or tackle a new single objective.
Financial goals will vary from person to person. Whether funding a child's college education, planning for a comfortable retirement, and every life experience in between. Shenandoah Valley Financial Services believe we all share a common goal: the desire to be financially sound. As your fiduciary financial planners, John and Amy will guide you toward sound financial planning that will place you on the path to pursuing your financial goals..
Accumulation
A saving and investing period that usually runs from your early working years until your late 50s.
Pre-retirement
A time to manage your funds and assess your ability to transition to more conservative investing, usually your late 50s and early 60s.
Retirement
The time when you begin your post-work life and live off your retirement income sources and your investment income.
Legacy
A time to pass down what you’ve learned and acquired to the next generation so they can be prepared for a successful life.