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Planning Services

Here at Capital Financial, we combine old-fashioned customer service with the convenience and ease of today’s top technology. We build tailored, comprehensive plans thoughtfully developed based on your distinct needs and goals. Our one-time planning fee ranges from $3,500-$9,500. Clients with $1 million+ of investable assets that engage us in an investment management relationship will not be charged for a financial plan.

Financial Planning

  • Fee-Based Comprehensive Plans
  • Fee-Based Situational Plans
  • Monthly Subscription Plan
  • Debt Management/Cash Flow
  • Education Planning

Investment Management

  • Professional Portfolio Management
  • Tax-efficient Investing
  • Alternative Investment Strategies
  • Lifetime income Strategies

Business Solutions

  • Business Succession Planning
  • Executive Compensation Strategies 
  • ESOPs
  • Buy-Sell Agreement Funding Options
  • Retirement Plan Design and Evaluation

Retirement Planning

  • Qualified/Non-Qualified Retirement Plans
  • Pension Plans
  • 401(k) Plans
  • IRAs/Individual Retirement Plans

Group Employee Benefits

  • Health Insurance Plans
  • Dental/Vision Plans
  • Voluntary Benefits
  • Group Life and Disability Plans
  • Group Long Term Care Plans

Concierge Client Services

  • Personal Financial Management Website
  • Quarterly Performance Reviews
  • Annual Comprehensive Reviews
  • Dedicated Client Relationship Managers

Estate Planning

  • Estate Conservation and Transfer
  • Tax Reduction Strategies
  • Charitable Giving Strategies

Risk Management

  • Life Insurance
  • Long-Term Care Insurance
  • Disability Income Insurance 
  • Annuities

Our Financial Planning Process

  1. 1. CLIENT-PLANNER RELATIONSHIP: Your financial professional will explain financial planning services and define each of your responsibilities. Along with compensation, you'll discuss how long the professional relationship will last and how to make decisions.

  2. GATHERING CLIENT DATA INCLUDING GOALS: You and your financial professional will talk about your current financial situation and gather any necessary documents. Together, you'll define your personal and financial goals, including time frames. You may also want to discuss your comfort level when it comes to taking financial risks.
  4. ANALYZING AND EVALUATING THE CLIENT'S CURRENT FINANCIAL STATUS: Your financial professional will then consider all aspects of your situation to determine what you need to do to meet your goals. Depending on what services you've asked for, your professional may analyze your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.
  6. DEVELOPING AND PRESENTING RECOMMENDATIONS AND/OR ALTERNATIVES: Your financial professional will go over financial recommendations, explaining the rationale so you can make informed decisions. At this stage, your planner will also listen to any concerns you may have and revise the recommendations if necessary.
  8. IMPLEMENTING THE RECOMMENDATIONS: You and the financial professional will need to agree on how the recommendations will be carried out. Your financial professional may carry out the recommendations themselves or serve as your coach, coordinating the process with you and other professionals, like attorneys or accountants.
  10. REVIEWING THE RECOMMENDATIONS: As you work towards your goals, you and your financial professional will need to decide who will monitor your progress to make sure you're staying on track. If the planner is in charge, they will check in from time to time, reviewing your situation and making any necessary adjustments to his recommendations.