Cash Flow Planning
SIMPLE, ACTIONABLE RETIREMENT PLANS
Cash Flow is the heartbeat of a household or business. Understanding the inflows and outflows, as well as the timing of planned expenditures, creates an opportunity for smoothing that may generate tax efficiency.
A solid cash flow planning strategy takes into account the following considerations:
- Your goals and objectives
- Current & future income
- Current & future expenses
- Taxes
At Sage Wealth, all clients receive a personalized annual cash flow review providing a comprehensive snapshot into the art of what’s possible.
Core*
Minimum $3,000
This model focuses on 3 major areas:
- Cash flow/Spending Plan and Debt Management
- Low cost, low-turnover investment strategy
- Tax smart strategies
- Retirement planning
After an initial onboarding, we meet twice per year to keep you on track.
You can expect updates toward your progress, including a one-page financial plan, cash flow plan, and investment plan.
Advanced*
Minimum $10,000
This customized model focuses on a deeper and more strategic approach to the following:
- Cash flow/Spending Plan and Debt Management
- Customized Investment Plan, including equity compensation and private investments
- Strategic Planning to minimize lifetime tax liability
- Retirement and lifestyle planning
- Risk management
- Estate/Legacy Planning
- Coordination with your key external advisors
After an initial onboarding, we meet three times per year to address your most important and critical needs.
You will receive a one-page financial plan, cash flow plan, strategic tax analysis, and tax-efficient investment strategy, as well as timely updates on the progress toward the execution of your goals.
One-Time Plan
Minimum $5,000
This customized model for business owners encompasses all offerings within the Pinnacle Model, but also includes:
- Business Retirement Plans
- Assess disability needs and coverage
- Provide Business Valuation
- Review business continuity & exit planning strategies
- Private Banking
- Integration of business decisions on personal wealth
- Engagement with your key external advisors
After an initial onboarding, we meet a minimum of three times per year to address both your personal and business planning needs.
In addition to the one-page financial plan, cash flow plan, strategic tax analysis, and customized investment strategy, we will provide a business valuation and meet with your strategic advisors to ensure alignment.
Contact Us
Saving for retirement can be a daunting task, but it doesn’t have to be. Your Sage Wealth Planning advisor will work with you to understand the best ways to save and to prepare for retirement and help put together a step-by-step plan to reach your goal (and by the way, we don’t believe in sacrificing fun along the way).