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Financial planning for professionals

Complimentary Consultation

Financial planning for your life and your lifestyle™

As you are building your career and making money, you should be able to enjoy the lifestyle you want today without sacrificing your future goals for retirement. With proper planning, you can live the lifestyle you choose. Financial planning is not one big thing…it is hundreds of little things™.

A ProVise CERTIFIED FINANCIAL PLANNER® advisor can help you plan for your life and your lifestyle. You don’t have to put off living until you retire. We can help you make the most of your days ahead with the resources you have right now.

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Life Planning

What do your life goals look like over the next ten years? Do they include any of these events?

Getting married

Starting a family

Buying a new home

Paying off student debt

Multiple promotions

Starting or selling your own company

All of these major milestones impact your finances. A ProVise CFP® advisor can holistically evaluate your current financial situation and develop a strategy to help you reach your immediate and long-term goals based on your resources. We can also help you navigate potential pitfalls that may take you off course.

For example, many young professionals often make the mistake of putting all their surplus budget into paying down debt, especially student loans, without putting any investment into their retirement. While debt payoff is valuable, this strategy makes you lose out on years of compounded interest earned by your 401(k) plan.

There is a way to achieve your short-term life goals without necessarily sacrificing your long-term retirement goals, and a ProVise CERTIFIED FINANCIAL PLANNER® professional can create a customized plan to help you do just that.

Wealth management

As your professional career continues to grow, your income will likely increase with it. This is a great opportunity to look into investments and diversify your portfolio to potentially earn a more stable portfolio with a greater return. A ProVise CFP® professional can evaluate your current financial standing and determine the best options to grow your wealth. Typically, a wealth management strategy will include a diverse investment portfolio varying from low to moderately aggressive opportunities, as well as a plan to pay down debt and set aside savings that accumulate interest while protecting your assets from creditors and lawsuits.

The goal is to make your money work for you, so you can live the lifestyle you enjoy now and also reach your retirement financial goals in the future.

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Retirement Income Planning

When planning for your eventual retirement, there are many factors to consider. At ProVise Management Group, we can help you plan and execute a retirement strategy that fits your current income level and retirement goals. We do not want retirement to sneak up on you. Instead, we make real, attainable goals that help you allocate your current financial resources toward the quality of life you want to experience after your working years are over.

We also stay current with all the latest changes and updates to federal and state tax laws, so you don’t have to. We take the time to assess your personal financial situation and how to appropriately apply it to ensure that you are not overpaying or underpaying for your retirement income tax.

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Estate Planning

Though estate planning is never pleasant to think about, a ProVise financial planner can help you allocate your assets after death. This can help ensure that your assets (and your heirs) are properly protected from unwanted creditors, taxes, and liabilities.

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What to expect in a complimentary consultation

A 30-minute complimentary consultation with ProVise Management Group is different from what you may have experienced with other financial planners. In this meeting, you'll speak with a CERTIFIED FINANCIAL PLANNER®.

We want to know more about your goals and place in life than how much money you have in your accounts.

We would be happy to meet you in person at our Clearwater and Tampa offices or schedule a Zoom call.

Here’s a quick snapshot of how our consultation works:

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Step 1

What prompted you to contact us?

Is it a new job with a complex compensation plan, the formation of a new business, a birthday that makes retirement feel more imminent, an inheritance, the death of a spouse or another event?

Step 2

What are your goals?

We'll discuss your objectives for your finances and retirement and diagnose any potential issues that may be keeping you from reaching your goals.

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Step 3

Here's how we can help

We’ll tell you about us and how we work, including the services we offer and our fee structure. Then, we’ll give you the time and space you need to decide if you want to work with us—and when you’re ready, so are we.

The ProVise Planning Experience

A financial plan is a roadmap to your financial success. A ProVise financial planner will follow a process that includes the following steps to creating a customized strategy specific to your current financial situation, lifestyle, and future goals.

Planning
1. Understanding Your Personal and Financial Circumstances 2. Identifying and Selecting your goals 3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action 4. Developing the Financial Planning Recommendation(s) 5. Presenting the Financial Planning Recommendation(s) 6. Implementing the Financial Planning Recommendation(s) 7. Monitoring the Progress and Update

1. Understanding Your Personal and Financial Circumstances

Before we can help you reach your goals, we need to understand where you are. We perform a thorough analysis of your current financial situation and upcoming risks before creating a financial plan designed for your increased future success.

2. Identifying and Selecting your goals

Your future financial goals will dictate your current financial choices. We need to understand your goals and then help you prioritize those goals, so we can align your financial strategy with the lifestyle for which you are aiming. We help you balance your goals in a way that is designed to benefit your current lifestyle without neglecting your future financial goals

3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action

It is important for us to first determine what you are currently doing and why. What is your approach to your finances and investments? There is no reason to seek alternatives if what you are doing is working. However, we can only do this in the context of looking at alternatives that may either fine tune what you are doing, or perhaps offer an alternative approach.

4. Developing the Financial Planning Recommendation(s)

Unlike others who just want to sell you something that may not be in your best interest, we do not consider recommendations until we have taken the first three steps of the financial planning process. You do not want a physician to create a treatment plan without a thorough analysis of your current condition and consideration of alternatives. The same is true with your financial health.

5. Presenting the Financial Planning Recommendation(s)

We will provide you with a set of written recommendations sharing our best ideas and thoughts regarding your personal financial situation. For those with a relatively uncomplicated financial life it might be done in a bullet point format, while for others it could be a much longer document. It might even be done with a modular plan focusing on the one aspect that is most concerning to you.

6. Implementing the Financial Planning Recommendation(s)

We help you put the financial planning strategy to work by putting together a checklist of action items for you and us that helps ensure that the plan is implemented in a timely fashion. There is nothing worse than knowing what needs to be done and then not doing it.

7. Monitoring the Progress and Update

Financial planning is not an event that happens one time. It is a continuous process. Life happens and things change. You will not go it alone. We will walk with you through every financial decision, roadblock, obstacle and opportunity to make sure you are staying on track toward your financial goals.

ProVise Planning Experience

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New Rules for Inherited IRAs: What You Need to Know

New Rules for Inherited IRAs: What You Need to Know

Oct 9, 2024 |

These new rules, which will take effect in 2025, significantly impact how beneficiaries must handle inherited retirement accounts. Because of the newly finalized rules, many beneficiaries will likely need guidance from financial professionals to ensure they follow them.

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