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!
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?
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?
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?
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.
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.
Did You Spring A Leak?
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.
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?
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?
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.
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.