Personal Financial

Planning Services

Reducing monthly expenses, Planning for Retirement, Education, Estate, Large Purchases and so much more.

When life gives you lemons, adaptable financial solutions become that much more important, and that became the foundation of A La Carte Financial’s approach to the planning process.

Our personal financial planning services is customized and tailored to your unique situation.  We begin by listening to your particular needs, and develop solutions that complement your emotional relationship with money.  Together, we will create a plan that works for your current situation and builds a more secure future.

 

With A La Carte Financial you will get no nonsense advice that throws  cookie cutter plans out the window! 

Our Services

Clean the Money Clutter


Ever wonder why the credit card seems to keep accumulating a balance at the end of each month. Does it feel like you’re paycheck to paycheck? Let A La Carte Financial review your income and expenses and find solutions to turn around your cash flow so that you feel more confident that you’re ready for tomorrow. We will work together for 3 months for accountability and implementation.




What Are We Going To Do About These Kids!?


Your paycheck goes up 2% a year, while tuition jumps 5%. How in the heck do you close the gap? How do you make sure your children aren’t leaving university saddled in debt? Let your money and time do the work for you by engaging in education planning with A La Carte Financial to uncover ways to maximize incentives and grants and ensure your investments are properly designed to meet your future needs.




You're Not Getting Any Younger


Ever wonder when you’ll be able to stop sitting in bumper to bumper traffic each morning dreaming about the weekend? Are you scared retirement will be nothing more than noodles and the Price if Right reruns? Take charge of your future with a retirement plan that fits your life and lets you put that cherry on top.




Because Crap Happens


Life is unpredictable. One day you’re driving your new car off the lot, another you’re staring at it hitched to the back of a tow truck and wondering if you’re going to be able to go back to work anytime soon. Don’t let the unexpected derail your finances. Think ahead, think insurance and emergency funds, think risk management, and get peace of mind.




The Only Sure Thing in Life is Death and Taxes


If you leave a mess of your finances, you won’t have to clean it up. That will be a mess your loved ones will have to handle at a time when they’re grieving. Or celebrating, you could be that kind of person, in which case let’s move on. But if you want to ensure that your finances remain airtight after you pass, you need a will, you need estate planning.





Did You Spring A Leak?


Do you know how much hundreds of dollars a year saved on banking fees, interest and investment expenses is worth over twenty or thirty years? A lot, like a lot! Let A la Carte Financial plug the leaks in your finances and uncover where you’re spending way too much on financial products and how you can chop down those expenses so you can return those costs in to savings month in, month out.




So, About That Job…


Today’s job market is more precarious than ever. In a world where technology and automation is displacing jobs you thought were safe, the chance you’ll need guidance on managing a severance package and transitioning your life is growing. If you find yourself in the unfortunate position of being laid off, speak with A la Carte financial about how to manage the change so that you can stop stressing.




Whoa! That’s A Lot Of Zeroes!


Are you staring down a large purchase or other major expense that makes you nervous? Are you thinking of buying a home but aren’t sure if it will sink your finances or be a great investment? Speak with A la Carte Financial first to make sure that you are confident in that Ferrari purchase. Prevention is easier than maintenance they say.




Is That A Fact?


Have you ever wondered if the sales person at the bank, insurance company or car dealership is telling it straight? Do you worry you might be walking yourself in to a financial disaster? Get an objective review with A La Carte Financial to ensure any changes are done with confidence and without ugly surprises down the road.




Think Outside The Plan


As you move in to a later life stage with more stability, the benefits of a comprehensive financial plan grow because it’s less likely you’ll be back at the drawing board in six months after an unexpected change in circumstances. The comprehensive plan pulls together the cornerstones of a financial plan in to a single package so that you’ll feel like you have a strategy to tackle any financial hurdle you might face.





 

What To Expect

We like to start with a ‘getting to know you’ questionnaire, these questions seem to really make you think about why we are connecting, and prioritize your most immediate concerns.  From there we get together and collect the information needed to get cracking on some solutions.  

 

Here are the steps to our planning process:

Initial Meeting: this is approximately a 90 meeting where we chat about your goals and any obstacles you are currently facing. This meeting is also an ideal time to gather information such as bank statements and assets and liabilities.

Presentation meeting: You will be provided with a full report of your plan along with recommended strategies.

30 day follow up: We will give you a call to follow up on implementation of recommendations and progress made.

Annual Review: We will meet for 60 minutes to make any adjustments and discuss life changes.

Ongoing Correspondence: If a life change happens, let’s discuss outside of these above guidelines to make sure you keep on track.
 

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