"Early
to Bed and Early to Rise -
Makes a Man Healthy, Wealthy and Wise."
Ben
Franklin - Poor Richard's Almanac -1735
If
only it were that easy.
Financial
security requires more than discipline, it requires
long-term, strategic planning. At Spiritus Financial
Planning, we guide you in preparing for a sound financial
future – and peace of mind.
We
practice the art and science
of financial planning. We begin by listening carefully
to your needs, dreams and goals. This offers us the
opportunity to discover your true core values around
money. Our focus is on comprehensive financial planning.
Our style can best be described as holistic. We value
your intuition as much as your tolerance for risk. When
we work with couples, as we do quite often, we respect
and value your individual opinion. You may be a couple,
yet we know from years of experience that each person
has their own story to tell about their relationship
with money.
Who
needs financial planning? You do - if you want to
reach your long-term financial goals. Spiritus clients
are your neighbors; local business owners, professionals,
teachers, executives and retirees. Whether your goal
is to retire early, finance your children's education,
purchase a second home, start a new business or to create
a new lifestyle, we can help. Your success is
our success.
Understanding
your relationship with money and your history around
money are the vital facts a financial planner needs
to achieve optimal success in the financial planning
process. Imagine finding a new doctor, scheduling your
first wellness visit, and not being asked any questions
about your health history? You could not be properly
advised without this pertinent background information.
The same holds true for your history around money. Having
a better understanding of the many ways money affects
and has affected our lives, increases the odds that
your money and your life will be in alignment.
Success
can be measured in many ways. For us, success means
our clients are reaching their goals. Their money is
aligned with their values. They have peace of mind through
volatile markets. They know that someone is looking
out for their financial interests and most importantly,
they have a relationship with a financial planner
built on trust and not investment returns.
Our
philosophy at Spiritus is simple. Put client's interests
first. Follow best practices of the financial planning
industry. Stay current on the latest research and developments
in the investment and tax world. Attend continuing education
seminars. Commit to excellence. Love what we do.
Let Spiritus Financial Planning provide you the resources
to enrich your world.
Financial
Planning Services and Fee Information
PERSONAL
SERVICES
- Comprehensive
financial planning
- Cash flow planning
- Retirement income
planning
- Income tax planning
- Risk management and
asset protection
- Estate tax planning
- Asset allocation strategies
reflecting your goals
- Investment review
and planning
- Socially responsible
investment planning
- Philanthropy and charitable
giving
BUSINESS
SERVICES
- Cash flow planning
and forecasting
- Profit-and-loss forecasting
- Break-even analysis
preparation
- Start-up cost estimates
- Writing and developing
a Business Plan
- Long-term financial
planning
- Financial statement
preparation
- Federal and State
tax planning
- Virtual CFO
FEES
- Spiritus generally
charges flat fees rather than billing hourly. Flat
fees allow you to budget accurately and know the actual
cost of services in advance. This method is preferred
by many of our clients.
- If we work with you
on an hourly basis, we will help you design a budget
in advance; helping you to estimate and control your
fees.
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