What We Cover: Topics
We leave no financial stone unturned!
We cover the following topics in our financial planning and coaching programs:
Vision and Goal Setting
Discover the difference between the two and set SMART goals that will guide you towards financial independence. This is the first step that serves as a foundation for your direction and plan of action.
Fundamentals: Cash Flow Analysis, Balance Sheet Analysis, and Emergency Funds
Clarify how much is coming in and from where, as well as how much is going out and why. Understand your starting point (net worth) on your journey towards achieving your goals. Prepare for unforeseen situations with a clear financial emergency plan. These are the three fundamentals we usually work on first before moving on to budgeting, saving, and investments.
Budgeting and Savings
Develop healthy and sustainable money habits; learn to live within your means; balance today’s needs with future goals; invest efficiently and effectively in your future; establish meaningful spending and saving habits.
Debt Management
Discover the difference between smart and unnecessary debt; implement strategies for eliminating unnecessary debt.
Optimizing Employee Benefits and 401(k)
Understand what your employer is offering and what each offering means for your family’s unique situation. Make sure you are fully utilizing all the relevant benefits.
Investment Portfolio Review and Planning
We focus on keeping things flexible and in perspective. No need to fix something if it is not broken and is working well for you. We discuss your short- and long-term goals, risk tolerance level, and type of investments that make the most sense for you. We help you understand the fundamentals of investing: investment philosophy, portfolio construction, asset allocation, investment vehicles, fees, tax implications, and how different types of investments tie back into your overall financial picture.
SEAMFI does not manage investments on our clients’ behalf. We offer portfolio analysis, recommendations, and step-by-step guidance to ensure that your investments are aligned with your short- and long-term needs.
Equity Compensation Review
As part of our investment discussion, we address diversification, tax issues, liquidity, timing, different career scenarios, and personal preferences to help you make informed decisions for your Equity Compensation.
Insurance and Risk Management
Review of current life, disability, property and casualty insurance. SEAMFI does not sell insurance products but works with you to find ways to ensure you, your family, and your assets are protected.
College Funding
Determine the best ways to fund your children’s college tuition.
Teaching Children Finance
Personal finance is rarely taught in school, which means it’s up to parents to educate their children on good fiscal habits. Our personalized financial education helps you empower your children to be comfortable and wise with their money.
Retirement Planning
Eliminate stress and being overwhelmed; identify your retirement philosophy and needs and goals; create a retirement plan based on sound financial habits to ensure a comfortable, fulfilling and experience-rich retirement.
Estate Planning
Understand wealth transfer strategies that would make sense for your family. We work with you and an estate planning attorney to help you understand what estate planning documents you may need.
Charitable Giving
Understand charitable giving options and their tax and cash-flow implications.
Home Purchase
Understand how much you can actually afford; know the best strategy for paying down your mortgage; determine whether real estate investment is an option for you; and know how home ownership plays into your other lifestyle goals.
Achieve More Coaching
Money is just one part of the equation when it comes to realizing your dreams. We coach you on time management, organization, managing stress, productivity habits, being more present, and focusing on what matters. We help you enjoy and accelerate the process of achieving your goals.
* Please note that SEAMFI is NOT an attorney or CPA and we do not provide legal or tax advice. Changes in tax laws may occur at any time and could have substantial impact upon your situation. All tax or legal matters should be discussed with the appropriate professional.