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Comprehensive Financial Planning

a holistic, goals-based approach to financial planning, thoughtfully selected investments, and hands-on implementation of recommendations.

FINANCIAL FOUNDATION

  • Prioritize goals and track progress
  • Optimize cash flow
  • Build and maintain an emergency fund
  • Analyze debt and design payoff strategies
  • Serve as your single point of contact for all financial concerns
  • Keep you on track with action checklists and consistent follow-up

EMPLOYER BENEFITS

  • Review employer benefits (so you’re not leaving anything on the table)
  • Analyze stock options (what you have, when they vest, and tax considerations)
  • Evaluate employee stock purchase plans (and when participation makes sense)
  • Compare health insurance options (HSA-eligible plans vs. low-deductible coverage)

RISK REDUCTION

  • Assess life, disability, and long-term care needs
  • Evaluate existing insurance policies
  • Assist with insurance applications
  • Introduce reputable insurance professionals (homeowners, auto, Medicare, umbrella)

COLLEGE FUNDING

  • Project future tuition and set savings targets
  • Build a year-by-year education funding plan
  • Select appropriate savings vehicles (529s, UTMAs, Custodial Roth IRAs)

INVESTMENT PLANNING

  • Design asset allocation strategies (so your accounts fluctuate only as much as you can handle)
  • Rebalance portfolios to maintain your desired risk level
  • Implement ETF and mutual fund strategies (cost-effective, diversified portfolios)
  • Access to direct indexing — allowing you to replicate an index and customize the individual stocks within it.
  • Apply factor-based investing (targeting securities with specific characteristics)
  • Incorporate alternative investments (to help you zig when the market zags)
  • Build distribution-focused portfolios (to generate durable income streams)
  • Evaluate annuity options (to create guaranteed income streams)

RETIREMENT PLANNING

  • Determine how much to save — and where to save it
  • Optimize your savings flow (what account to “max out” next?)
  • Evaluate Roth vs. Traditional strategies
  • Navigate backdoor and “mega backdoor” Roth contributions
  • Execute Roth conversions (with full attention to the IRA aggregation rule)
  • Create income streams to support your retirement lifestyle
  • Develop pension and Social Security claiming strategies
  • Plan for and execute Required Minimum Distributions

TAX PLANNING

  • Optimize asset location for tax efficiency
  • Adjust strategies as tax policy changes
  • Harvest tax losses strategically
  • Coordinate income with tax-sensitive items (e.g., IRMAA surcharges)
  • Maximize charitable giving strategies (QCDs, DAFs, appreciated securities)
  • Review tax returns for planning opportunities
  • Introduce local CPAs when appropriate

ESTATE PLANNING

  • Review beneficiaries, wills, and trusts
  • Facilitate family meetings as needed
  • Support loved ones during disability or death
  • Introduce local estate planning attorneys

Financial planning is an ongoing process—not a one-time event

Clarify the Concern

We begin with what’s keeping you up at night.

Consider Your Options

We help you cut through the noise and evaluate the pros and cons of viable strategies.

Carry It Through

We implement a targeted mix of actions and investments designed to move your goals forward.

Ongoing Care

Life brings twists, turns, and tough decisions. As new questions or challenges emerge, we revisit and adjust your plan so it continues to fit your reality.

Piece By Piece, We'll Put It Together

Piece By Piece, We'll Put It Together

✔ Options Considered.  ✔ Strategies Optimized.


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Ongoing Partnership.

Together, we’ll manage and maintain your financial plan through ongoing communication and collaboration.

Planning Fee

None. It’s part of our process. 


We do NOT charge separately for financial planning. We believe sound investment advice is only possible if we truly understand you & what you’re trying to accomplish.

Investment Cost

Investment Advisory Services:  1% of Assets Under Management (AUM) 


Insurance Products (annuities & life insurance): Commission-based

Investment Requirement

$500,000


For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice. All investing involves risk and there is no guarantee that any investment strategy will be successful. This information is intended to be informational and is not tailored to the investment needs of any specific investor.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Erin Egesdal, CFP® at 425-230-3332 for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.