Services

Comprehensive and Real Time Financial Planning

Kelly Financial Planning works solely for clients. I provide Fee-Only financial planning and advice for everyday life. Clients have the flexibility to engage me on either a one-time, as needed or ongoing basis. You pay by the hour or the project for the advice that you receive.

 

I work with people from all walks of life without regard for net worth or level of income. Because I do not receive commissions or compensation from third parties, potential conflicts of interest are removed.

 

My comprehensive analysis starts with a summary of your existing financial situation. I follow this by clarifying and prioritizing your goals. I then identify gaps and recommend specific, customized solutions. Your plan will address the following topics (if applicable):

 

  • Personal Financial Planning
  • Retirement Planning Strategies
  • Debt and Cash Flow Management
  • College Funding Advice
  • Estate Planning Recommendations
  • Insurance Review
  • Tax Planning

 

By thoroughly analyzing each client’s financial situation, I create an individualized, personal financial plan designed to help you achieve your goals. I strive to provide a superior customer experience while serving each client with excellence and integrity.  

 

I also work with clients on a collaborative, real time basis if it is determined to be most appropriate for their situation. With real time planning, most of the immediate needs of the client can be met in one meeting. Follow up or ongoing sessions can be scheduled if desired by the client.

 

Education and Awareness

Kelly Financial Planning provides financial education and awareness to community groups and organizations. The goal is to simplify personal finance by providing education, information and sharing financial principles with every day people.

 

  • Financial Seminars for Governmental Agencies, Church and Civic Groups
  • Corporate Employee Financial Education – Employee Benefit Seminars, etc.
  • Public Speaking on the topic of Life and Financial Planning

 

As an hourly, Fee-Only fiduciary, I strive to demonstrate my commitment to serving the public’s best interest.

 

PROCESS

 

7 STEPS TO FINANCIAL SUCCESS

The 7 Steps to Financial Success is a win-win approach to financial planning for clients and advisors. It spells out step by step, a simple-to-understand-and-implement approach to building a brighter financial future.

 

Step 1

Initial Inquiry

 

ADVISOR’S RESPONSIBILITIES: We provide a brief description of services, philosophies, methodology and fee structure. You may be directed to our website to help you learn more.

CLIENT’S RESPONSIBILITIES: If the advisor’s services appear to fit your needs, he will schedule a Free Get Acquainted Meeting in person or on the telephone, and at the same time provide you with additional information to help you learn more.

 

Step 2

Get Acquainted Meeting

 

ADVISOR’S RESPONSIBILITIES: We will meet with you free of charge for an initial session. It is an opportunity to exchange information about your needs and objectives, to further discuss which services are right for you, and to provide you an estimate of the cost of services. Remember, Kelly Financial Planning does not accept commissions, and instead charges for services on an hourly, as-needed basis.

 

CLIENT’S RESPONSIBILITIES: If you choose to use our services, we will define the engagement’s scope together in writing. We will also provide a list of additional information that we will need to begin formulating your personal financial plan.

 

Step 3

Data Gathering and Initial Preparation

 

ADVISER’S RESPONSIBILITIES: After receiving your information, we will begin to review and develop your customized financial plan. We will prepare initial reports that will be discussed with you at your next meeting.

 

CLIENT’S RESPONSIBILITIES: You will need to gather the requested data and then possibly complete a risk tolerance questionnaire. This information will need to be provided to us before your next meeting.

 

Step 4

Interactive Goal Setting

 

ADVISER’S RESPONSIBILITIES: Depending on your individual circumstances, this meeting may or may not be necessary. If it is, it can be in person or via teleconference. The advisor will work with you to further discuss and clarify the information you have provided thus far, and to refine your financial goals and objectives.

 

CLIENT’S RESPONSIBILITIES: This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss with your advisor any additional questions or concerns.

 

Step 5

Analysis and Plan Formulation

ADVISOR’S RESPONSIBILITIES: We refine the information you have provided and study various plan scenarios. We conclude the research and analysis, and produce the final reports that include observations, assumptions, specific recommendations, and an action plan for your unique situation.

 

CLIENT’S RESPONSIBILITIES: The ball is in your advisor’s court. All you have to do at this point is await your next meeting with your advisor.

 

Step 6

Presentation of Your Financial Plan

 

ADVISOR’S RESPONSIBILITIES: We review with you your personal financial plan and specific recommendations.

 

CLIENT’S RESPONSIBILITIES: Congratulations! You now hold your personal blueprint for financial success designed with your financial goals in mind. You are empowered with specific recommendations to implement your financial plan. If you wish, you may employ your advisor further to assist you in carrying out that plan.

 

Step 7

Financial Checkups

 

ADVISOR’S RESPONSIBILITIES: Periodic update meetings and reviews are essential to maintain good fiscal health. Your advisor can schedule these periodic meetings with you at whatever frequency you think appropriate.
CLIENT’S RESPONSIBILITIES: Financial planning is an ongoing process, not a one-time event. Proper implementation of a financial plan and periodic professional reviews are crucial to reaching your financial goals. We urge prompt attention. It is about your financial future.