Financial Planning

Personal Financial Planning

The purpose of Personal Financial Planning is to develop a comprehensive financial plan or “road map”.  This combines planning with ongoing advice to help each client make certain that their total financial picture is constantly being evaluated with respect to changing conditions. At Corporate Benefit Advisors, Inc (CBA), our professionals make specific recommendations, which are designed to provide more efficient use of the client’s growing resources, to improve net worth, to reduce income and estate taxes, and to increase after-tax cash flow.

How We Work

Our initial meeting with you involves no charge or obligation.  It is simply a “get acquainted” session where we learn about you and your current situation, and you get a picture of the scope of our services.

The Advisory Process

When a decision is made to proceed, an in-depth financial advisory process begins.  First, an intensive fact-finding session helps our advisors become totally familiar with your current financial situation, as well as your personal goals and priorities for the next several years.  Then, working from this comprehensive information, they prepare a detailed financial plan, which documents your current situation, identifies areas which will be impacted, and makes specific goal-oriented recommendations.

This analysis includes:

  • Investment Planning
  • Complete Review of Life, Disability, Property, and Liability Insurance
  • Identification of Business Continuity and Transition Issues*
  • Coordination of Financial Indebtedness
  • Formulation of Educational Strategies for Family Members
  • Analysis of Will, Trust, and Incapacity Documents*
  • Recommendations for Estate Planning Opportunities*
  • Structuring for Family Partnerships*
  • Discussion of Charitable Planning Tools
  • Estimates for Retirement Planning and Wealth Accumulation
  • Efficient Coordination with Other Professional Advisors (CPA, Attorney, Insurance Professional, Stockbroker, Banker, etc.)
  • Cash Management
  • Development of Family Gifting Strategies

Recognizing our ever-changing tax environment, they also work to assure that you are positioned in an effective manner relative to your personal tax situation.*

Review and Implementation

Each recommendation in the analysis is then thoroughly reviewed with you to substantiate the rationale for making it, and to confirm your understanding and support of it.

If desired, our advisors actively assist in the full implementation of every plan recommendation in conjunction with the other members of your financial advisory team.

Ongoing Monitoring

Our advisors monitor and evaluate the soundness of recommendations in light of changing personal and economic circumstances. Their goal is to meet at least annually in person and more often if required to review plan progress.

Why CBA?

At CBA, we believe that our advisors' background and experience in benefit consulting and management for corporations, uniquely qualifies our financial planning team to guide executives and employees through the financial planning process.  We call this process the dovetail approach to planning.

For more information on our financial planning services please contact Brad Brantley (704) 971-5328.

*National Financial Partners Corp. and its subsidiaries do not offer tax or legal advice.  Please coordinate with appropriate counsel.