Personal Financial Planning

Our team of Investment Advisors, Licensed Insurance Agents, Enrolled Agents, and Certified Divorce Financial Analysts offer a range of services tailored for the Financially Single.

 

 

PERSONAL FINANCIAL PLANNING

Take Control of Your Financial Future

We help you understand what resources you already have, the options available to you, and provide the expert advice needed to make informed decisions. 

Once we have the road map, we’ll also help you walk the path and implement your chosen strategies. We’re also here to review and update your plan along the way as life changes. 
 

What questions can we help answer?

  • Am I on track for my retirement goals?
  • Do I have enough life insurance?
  • Am I paying too much in taxes?
  • What happens to my assets when I die?
  • What questions don't I know to ask?
  • And many more!

How does it work?

1. Analysis & Evaluation of Your Current Financial Status

  • Identify goals, strengths, and weaknesses
  • Risk management and insurance
  • Employer benefits, including 401k
  • Investments and Savings (Long-term and Short-term)
  • Strategic Tax Planning
  • Retirement investment and/or distribution
  • Estate Planning: Review of Will/Trust, Powers of Attorney, Medical Powers of Attorney
  • Education Savings
  • Special Circumstances (e.g.: divorce or family members with special needs)

2. Recommendations & Options
Based on the analysis of your current and future needs, in coordination with legal, tax, investment, insurance and estate planning experts, will make recommendations and show you your options to design a plan to move toward your goals.

3. Implementation
Once we have agreed on the design of your financial plan, our team will assist you with each step in the implementation.

4. Monitor Progress
Quarterly and annual reviews in person or over the telephone will keep you informed on the progress of your plan. This also gives us the opportunity to discuss recommended changes to your financial plan as your life and goals shift.

5. Fiduciary Standard
As a fee-based financial advisor, we act as your fiduciary under the oversight of the SEC (Securities Exchange Commission). This means we are obligated always to put your interests first. Dekker Financials’ fiduciary relationship with our clients is built on honesty, trust, and good faith.

 

Why work with a Certified Financial Planner®?

 

  • There are many financial planners and advisors out there, but only a CFP® professional has met the CFP Board’s high professional qualifications and abides by their Codes of Ethics and Standards. 
  • To a CFP® professional, the client’s interests come first. At all times when providing financial advice to a client, a CFP® professional is committed to acting as a Fiduciary. 
  • A CFP® professional starts their journey with education. In addition to requiring a bachelor’s degree, a CFP® professional, must also complete a university-level coursework program covering various areas of personal financial planning, including Professional Conduct, Risk Management and Insurance Planning, Investment Planning, Tax Planning, and many others. In addition, continuing education is required. 
  • CFP® professional must have a minimum of 2 years of real-world financial planning experience before becoming a CFP® professional. 
  • All CFP® professionals must pass the CFP® Exam, a rigorous test of financial planning skills in realistic situations.