What We Cover
We Leave No Financial Stone Unturned
Our independent CERTIFIED FINANCIAL PLANNER™ professional provides financial planning advice on a broad range of topics, including:
Vision and Goal Setting
Discover the difference between the two and learn how to set smart goals that will move you towards financial independence. This first step serves as the foundation for your direction and plan of action.
Fundamentals: Cash Flow Analysis, Balance Sheet Analysis, and Emergency Funds
Three fundamentals that are important to consider before moving on to budgeting, saving and investments:
- 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.
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 — and establish meaningful spending and saving habits.
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 available benefits.
Investment Portfolio Review and Planning
Outline your short- and long-term goals, risk tolerance level, and type of investments that make the most sense for 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.
As an independent, fiduciary advising firm, 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
Review your equity compensation details to fully understand what you’re actually getting, when you can use it, potential tax implications, and how it fits into you and your family’s overall financial strategy. Help you make smart financial decisions to maximize both the short and long-term benefits of that equity.
Insurance and Risk Management
Review of current life, disability, and property and casualty insurance. As an independent, fiduciary advising firm, SEAMFI does not sell insurance products but will work with you to find ways to ensure you, your family, and your assets are protected.
Uncover options and determine the best ways to fund your children’s college tuition.
Create a clear, detailed retirement plan based on sound financial habits to ensure a comfortable, fulfilling and experience-rich retirement.
Understand wealth transfer strategies that make sense for your family. We can work in tandem with an estate planning attorney as needed.
Review your tax returns to make sure you are utilizing relevant tax saving strategies. Understand potential tax implications when making investment changes and when diversifying concentrated stock positions. We can work with your accountant to analyze various scenarios and prepare tax projections.
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.
Learn More About Our Financial Planning and Coaching Services
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 a substantial impact on your situation. All tax or legal matters should be discussed with the appropriate professional.