Financial Planning
Secure your financial future
with a personalized plan.
Recognizing that no two clients are alike, we take the time to learn about your particular circumstances, goals, and aspirations. This serves as the foundation from which we develop an integrated plan that addresses every facet of your financial life.
Your dedicated Cahaba team collaborates to build your written financial plan – one that outlines your current situation, identifies key areas of opportunity or concern, and provides clear, actionable recommendations tailored to your goals. Our recommendations are never cookie-cutter. They're designed to address the unique aspects of your life and evolve as your circumstances change.
A written, actionable plan tailored to your unique needs – not a template, not a guess.
What's Included
Every dimension of your financial life
Retirement Planning
We create a long-term cash flow projection that accounts for your income, expenses, and tax estimates for future years – determining whether your current assets will support the retirement lifestyle you've envisioned, and closing any gaps if not.
Investment Planning
We review your portfolio to ensure alignment with your goals, risk tolerance, and time horizon. Then we apply your cash flow plan to recommend a specific asset allocation and assist in implementation. We manage more than $2 billion in client assets at Fidelity and Schwab.
Tax Planning
We review your tax situation to strive for the lowest possible liability, project taxes for the current year, and coordinate participation in company benefit plans to minimize taxes. We work closely with your CPA to project and plan ahead.
Risk Planning
We review your overall insurance portfolio – car, home, life, disability, liability, and long-term care – to ensure the minimization of risk. If additional coverage is needed, we help coordinate obtaining it through company-sponsored or outside providers.
Estate Planning
We review your wills, trusts, and beneficiary designations to ensure your assets transfer to your heirs in the most tax-efficient and personally desirable manner. We coordinate with your attorneys to modify documents and change ownership as needed.
Final Plan in Writing
The outcome of our process is a written, actionable financial plan delivered with a checklist of specific items to carry out. We create a formal follow-up schedule and assist wherever possible as your plan evolves over time.