What does comprehensive financial planning cover?
Comprehensive financial planning takes your targets, cash flow and taxes along with risk protection into one documented plan with transparent priorities. Clients get a single roadmap that presents what to do now, what can wait, and why.
This service generally covers the below subjects:
- A snapshot: income items, spending, debt amounts, savings preferences and assumptions
- Targets: the “when” and “how much” behind the outcomes you want
- Step-by-step actions you may follow between meetings
What questions will your CFP ask in the first meeting?
A Certified Financial Planner (CFP) initially learns what matters to you & confirms the facts influence the options. CFP financial planners custom-build the plan around the priorities & your numbers. Our team asks the following questions:
- Which targets matter most right now — retirement lifestyle, home purchase, education or legacy?
- What are the worrying areas — debt, market swings, saving pace or job stability?
- How steady is your income & what do monthly expenses look like?
- What debts exist & what are the interest rates and payoff dates?
- What accounts & benefits do you already have — 401(k), IRA, HSA, stock plans?
- Who depends on your income & what protections are already in place?
How does the process work from start to finish?
Comprehensive financial planning embraces a transparent sequence for you to recognize what happens next.
- Discovery — we discuss targets, timelines, family needs and upcoming changes
- Data review — our team reviews statements, cash flow, debts and existing documents
- Plan build — our professionals translate your inputs into a smart strategy with options & trade-offs
- Plan meeting — our team walks through decisions, confirms priorities and chooses next actions
- Implementation support — we set checkpoints & update the plan once life changes
How do taxes fit into the plan?
Tax-efficient planning is woven into major decisions so the plan makes sense after taxation — not just on paper. That might mean timing income or coordinating deductions. It may also present support in preferring options that looked identical before but differ after tax.
This page is part of the CFP services, so it focuses on the full-picture plan. If you require another targeted focus, you can visit our dedicated services for retirement planning, estate planning coordination, investment strategy or overall wealth-management.
What will you walk away with?
Clients receive a set of tools they can leverage immediately as outlined below:
- A summary of targets & designed timelines along with the key assumptions
- A prioritized action list with “do this first” clarity
- Scenario notes for important choices you’re considering
- A simple review cadence to keep the plan current
How do you start with Maris & Associates?
Maris & Associates presents comprehensive financial planning custom-built around your distinct targets and tax reality. Reach out to us today to schedule a first CFP conversation.
FAQs
How often should I review my comprehensive financial planning plan?
Clients, in general, perform an annual check-in and update it once income or family or targets vary.
What documents should I bring to my CFP services meeting?
The last year’s tax return, recent pay stubs, account statements, a debt list and insurance documents.
Does comprehensive financial planning include insurance planning?
It might. Insurance planning looks for coverage gaps & sets priorities in order for the plan to hold up if something unexpected happens.
Can comprehensive financial planning include education planning?
Definitely. Education planning might set a savings target & timeline — and present how it influences other targets.
How does tax-efficient planning show up in holistic financial planning?
Your CFP financial planner compares options after tax, covering timing elements and account choices in order for your preferences to comply with the real take-home results.
What does this service cost at Maris & Associates?
Our CFP service fees start at $480 per hour. Pricing varies in parallel to what you want covered.