Full Financial Planning for Families over Fifty

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Why LaxFP?

Complete

More than Investments and Insurance, we plan for your full financial life, bringing every piece in line with your values and priorities.

Independent

We are not owned by an insurance company or broker-dealer with their conflicted interests. No product sales quotes, no external shareholders, and no agenda other than serving you.

Fiduciary

We always act in your best interest in all areas of finance. Simple as that.

We are a Value-First

Financial Planning Firm

We may accomplish this through:

  • Showing you a potentially better investment plan
  • Access to better investments and strategies
  • Helping you to save more which compounds better over time
  • Helping you avoid costly mistakes that reduce your long-term growth

We may accomplish this through:

  • Saving you taxes, either immediately or over your lifetime
  • Saving you interest on debts through better strategy and options
  • Saving you insurance premiums through better value and dropping unnecessary coverage

We may accomplish this through:

  • Creating a financial or investment plan you actually understand
  • Giving you proactive strategies for future unknowns
  • Illustrating financial concepts to make them simple
  • Confirming dreams you hope
  • Revoking fears you hold

We may accomplish this through:

  • Finally completing/updating that Will
  • Helping you increase your retirement savings
  • Get the (right) insurance your family needs

We may accomplish this through:

  • Distilling hundreds of hours of self-study to create your own financial plan to ~5 hours of meetings
  • Allowing you to fire off a 2 minute email instead of spending an hour researching a new concept
  • Letting you focus your over-taxed mental capacity on your family and what really matters to you, while being confident your finances aren’t neglected


Intro Call

A 15 minute initial call for you to ask questions and see if it makes sense to schedule a Value First Meeting. (Optional Step)

Value First Meeting

The initial meeting where we will dive into your situation. Who you are, where you want to go, what you have will be explored (to your comfort level). You can bring any financial data you want, but we don’t required any at this point. We will get a rough estimate of what we’ll be able to do for you, and give you a rough range of the planning fee. We will teach you some valuable strategies and give you at least one action item to improve your situation in this first meeting. Value First.

Sleep On It!

That’s right. You won’t decide in that meeting. We insist that you sleep on it so that you can make a wise decision. You will never be pressured into a decision here. After the first meeting and time to think, you should have a good sense if it is worth moving forward with. What happens next?

Do you want to move forward?

Yes. What’s Next?

If you’d like to move forward, let us know by replying to our meeting follow-up email. We’ll send you instructions on how to gather the financial data we will need to do the plan, and help you put it together.

With that data we will be able to create a financial plan, and know more fully how we can help you. After we have a chance to look it over we can schedule the Strategy Session.

No. Not Now.

If you’ve decided it is not a good fit, no problem! Let us know via the follow-up email. We will return any financial documents you may have given us, and we will part ways as friends. Thanks for investing the time, and we hope the information from the first meeting made it worth it for you.

Strategy Session

In this meeting we will start teaching you the strategies we will be using to improve your finances and get you closer to where you want to go. We’ll give you more actionable items that you can implement. At the end, we’ll tell show the exact financial planning fees (will be within the range we initially discussed). You can decided if the value you have received so far and can expect to receive will be worth more than the fee.

Sleep On It?

We insisted the first time, and we encourage you to sleep on it again if you’d like. No pressured decisions. Ever. In our experience, about 40% wish to sleep on it before continuing, and 60% are ready to continue by the end of that meeting. That’s pretty even. 

Do you want to move forward?

Yes. What’s Next?

If you’d like to move forward, let us know either at the end of the Strategy session or via email after further thought. We’ll have you sign a Financial Planning Agreement for the level of planning you decided to move forward with: Silver, Gold, or Platinum, and then collect payment.

Then we move on to the fun part.

No. Not Now.

If you’ve decided it is not a good fit, no problem! Let us know via the follow-up email. We will return any financial documents you may have given us, and we will part ways as friends. Thanks for investing the time, and we hope the information from the first two meetings made it worth it for you. And perhaps, even though it wasn’t a good fit for you, you can see how it may be a good fit for someone else and will be a positive reference for us.

One Page Financial Plan

We’ll put together your One Page Financial Plan: all our recommendations and action items on one page. We will then take as many meetings as we need to cover it (typically 2-3). You’ll learn everything you need to know about your finances (and not bit more) and will be able to take action to improve it. 

Take Action

Whether you choose to implement the plan through us, or through other professional contacts you have, or by doing it yourself, it’s time to take action. Knowledge alone is useless unless acted upon. We’ll help make sure you get it done. 

Ready to Get Started?

First meeting can be in person or virtual.

Know Your Financial Planning Score?

You don’t know what you don’t know, until you know.

Not Ready to Work with Strangers Yet?

Sign-up to receive our Newsletter.

It’s not one of those boring economic outlook newsletters. And we won’t spam you. I’m a religious “unsubscriber” of marketing emails, so we don’t take this lightly. You’ll get a few emails up front with some info and links to our greatest hits. Then you’ll get one a month. The emails contain thought provoking short reads, our latest podcast episodes, insights into who we are and how we think and plan for clients, and actionable steps for you DIYers. And when you are ready get started in the future…

You’ll know our team as if we’re family.

We’re excited for you to join ours.

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