FINANCIAL PLANNING

Empower your future with intention; craft a financial plan today that cultivates tomorrow’s prosperity. – Arthur Flores, CFP®

How We Help You Meet Your Financial Goals

Flores Wealth Planning is proud to present a comprehensive financial plan designed to help our clients achieve their long-term financial goals. Our plan is based on a thorough understanding of our client’s individual needs and circumstances and is tailored to address their unique financial challenges and objectives. We recognize that financial planning is not a one-size-fits-all solution, which is why we take a personalized approach to ensure our clients receive the most effective and efficient solutions. Through our expert guidance and proven strategies, we help our clients navigate the complexities of the financial world and create a roadmap to financial success. Our plan covers various areas including investment planning, retirement planning, tax planning, estate planning, and more. With Flores Wealth Planning, our clients can rest assured that their financial well-being is in capable hands.

At Flores Wealth Planning, we understand that technology plays a crucial role in creating effective financial plans. That’s why we leverage the latest financial planning technology to develop customized plans that are tailored to the specific needs of our clients. Our state-of-the-art software tools help us to accurately analyze your current financial situation, identify potential risks, and develop a personalized roadmap to help you achieve your financial goals. Our advanced technology also enables us to update your plan in real-time, ensuring that it remains relevant and effective as your circumstances change. With our commitment to leveraging the latest technology, we can help you navigate the ever-changing financial landscape and make informed decisions that maximize your financial potential.

Your Plan

Your personalized financial plan will include a thorough analysis of your financial situation, including comprehensive charts and graphs and in-depth details about recommended strategies. Your plan may consist of some or all of the following analyses:

Cash Flow and Net Worth

Discover your net worth and where your money is going. We will identify a surplus or deficit in your finances.

Debt Reduction Plan

Debt is a problem that does not age well. We can help you develop a strategy to pay down those credit cards and loans as soon as possible. Your debt reduction plan will be priority because being debt free is a wonderful feeling.

Retirement Plan

We will all retire some day. Are you prepared for a long retirement? We can show you how much you should save on a monthly or annual basis, the retirement account you should be using (401(k), IRA, Roth, etc.), how you should be investing and when you can expect to achieve financial independence.

Employer Benefits Plan

We will review and help you take advantage of your employee benefits. Should you enroll in the long-term disability insurance, flexible-spending plan or choose the high deductible insurance plan and HSA?

Tax Planning

Flores Wealth Planning offers tax planning services for individuals. The process involves assessing the client’s income, expenses, and investment portfolio to identify opportunities to reduce taxes. This may include utilizing tax-advantaged retirement accounts, strategically timing income and deductions, and maximizing deductions and credits. The goal is to minimize the client’s tax burden and increase their after-tax income. Flores Wealth Planning also stays up-to-date on changes in tax laws and helps clients adjust their tax strategies accordingly.

Investment Plan

Your investments are your means to achieve your financial goals. We will help you create a diversified and low expense portfolio for your short- and long-term goals. We will recommend several asset classes in both stocks and bonds. Index mutual funds and ETFs will be part of your recommended portfolio.

Insurance Plan | Risk Management

No matter how good your plan is, there could be unexpected bumps down the road. We will help you plan for those unexpected expenses or situations to make sure you meet your goals. We will discuss disability, life and long-term care insurance. Flores will examine if these policies can mitigate some or all of your risks. Establishing an emergency fund will be considered as well.

College Plan

Education will be your most expensive future goal. We can help you create a saving and investment strategy to help pay for private or public 4-year college. Choosing a college saving vehicle (529, Roth, UGMA/UTMA) will be discussed.

Estate Plan

Estate planning is not just for the rich and famous. Your plan may include having key estate legal documents in place, reviewing your beneficiary designations or understanding potential future estate taxes (Fed and State).

Equity Compensation Planning

Flores Wealth Planning provides equity compensation planning services for clients who receive stock options, restricted stock, and other equity-based compensation as part of their employment package. The firm helps clients understand the tax implications of these types of compensation, as well as how to manage the risks and opportunities associated with equity investments. Flores Wealth Planning can provide guidance on when to exercise stock options, diversify investments, and develop a strategy for selling shares. The goal is to maximize the value of the equity compensation and help clients achieve their long-term financial goals.

Case Study: Financial Planning for a Couple

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FINANCIAL PLANNING

Empower your future with intention; craft a financial plan today that cultivates tomorrow’s prosperity. – Arthur Flores, CFP®