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113 South Main Street, Suite 302E, Oswego, IL 60543

630-386-0676
tamara@towardwealth.com
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How We Work Together

Step One: How We Work Together

Entrusting your financial planning requires a level of trust. I don’t expect that sight unseen. That’s why our first step involves a 30-minute complimentary consultation. In this conversation, we’ll talk about:

You and your goals:

  • How would you assess your current financial plans?
  • What financial challenges are most pressing right now, in the near-term and in the future?
  • What does an ideal future look like for you and your loved ones?

 The financial topics we typically discuss:

  • Assets, Liabilities, Income, and Expenses
  • Cash Flow
  • Tax Planning
  • Investments & Retirement
  • Protection
  • Estate Planning
  • Employee Benefits

 If we agree to work together, I will suggest the next step. If not, I can share some resources to help you.

Schedule a Complimentary Consultation
Step Two: Create a Map for Your Financial Future

Step Two: Create a Map for Your Financial Future

I utilize an interactive Asset-Map® tool to gather a more complete picture of who you are, your family, what’s important to you, your financial situation and assets (types of accounts, amounts and locations).

I will want to learn more about your personal situation and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

By using this interactive tool, we save valuable time and I can get started right away to develop recommendations to achieve your goals.

Step Three: Financial Planning Session(s)

The next step is to review your Asset-Map®, talk about your goals and how to accomplish them. We do that in one of two ways: a 90-minute, mini-financial planning session or a full financial planning engagement.

The 90-minute, mini-financial planning session is a high level discussion of your goals with some direction to help you on your way to financial confidence and security. This session is designed for the person who wants to get a better understanding of the role of the financial planner without a significant financial commitment. The cost of the 90-mintue session is $250.

Full financial planning is a partnership with ongoing strategy meetings planned throughout the engagement to work on specific goals we have identified. We’ll use a bucketing process and timeline to outline your goals in four different life stages. These goals will vary based upon your life stage – mid-career, nearing retirement or at/in retirement. The bucketing approach helps me determine the appropriate investment vehicle and cash flow plan with your risk appetite in mind. The cost of the financial planning engagement is either an hourly rate or monthly subscription.

NOW

These are your current goals, what you want to spend to enjoy your life and meet your near-term needs.

SOON

These goals are 2-5 years from now. Examples may be planning for college or a milestone trip.

LATER

These goals more than 5 years from now and upon retirement. Examples include income replacement strategies or purchasing a second home.

LAST

Legacy goals include your plans to transfer your wealth or distribute your estate.

Step Four: Putting Your Plan into Action

Once you have your Asset-Map® and financial plan, the real work begins - putting your plan into action. For the mini-session client, you will have been given some guidance on the steps to put in place to achieve the goals you shared. For the engaged clients, we will continue to partner and update the variables of your plan to assess the probability of success in meeting your goals now and in the future.  

Are you ready to gain clarity and confidence in your financial future?

Let's Talk

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