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Financial Planning

"An&#160;<b>idiot with a plan</b>&#160;can beat a genius without a&#160;<b>plan."</b>&#160;&#8211;&#160;<b>Warren Buffett</b>.

"An idiot with a plan can beat a genius without a plan." – Warren Buffett.

In athletics, to win a championship it all starts with a solid game plan and a strategy to get there.  At XCountry Financial, we lead with education and the planning component.  You have to have the fundamentals dialed in order to perform at a high level.  

We believe in a customized and client centric financial game plan, not a cookie cutter approach.  Each client has personal and specific goals that are important to them, we respect that.  From the starting line, we take the time to listen to our clients, what's important to them, what's their dream, what do they want to accomplish financially. 

Our planning process will help you:
-  Understand your finances from a holistic point of view.
-  Create integrated strategies that take all your financial activities into account.
-  Identify long-term goals and the steps needed to pursue them.
-  Track your progress and make adjustments as you experience new life events.

Download Benefits of Financial Planning
WealthVision-Logic and Data Driven

WealthVision-Logic and Data Driven

Our Financial Planning process is logic and data driven,  powered by WealthVision, the most powerful planning tool in the industry.  

The WealthVision client portal is designed to provide you with the robust features you need to stay connected to your finances, goals, and important documents. Your secure personal website is available via desktop or mobile, and it allows you to track your progress against the goals set by you and your financial professional. And, perhaps most importantly, you never have to worry about your information being shared with online advertisers and other service providers.


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YOUR PERSONAL FINANCIAL WEBSITE

YOUR PERSONAL FINANCIAL WEBSITE

We use the WealthVision platform to integrate your financial game plan into a robust personal financial website. Its powerful engine can generate comprehensive financial planning analytics—calculating cash flow projections, modeling “what-if” scenarios, and generating alerts when adjustments may need to be made. You’ll have access to budget tools, reports, educational materials, and storage for personal documents in one convenient and secure location.


ROBUST FEATURES ON A SECURE, MOBILE PLATFORM

ROBUST FEATURES ON A SECURE, MOBILE PLATFORM

Your client portal provides you with:

-  A budget tool to track and prioritize your spending
-  Reports on net worth, cash flow, asset allocation, and more
-  Tracking of all net worth with asset and liability balances updated daily
-  Alerts to keep you aware of significant transactions and changes in balances
-  Investment analysis on all of your investment assets 

You’re just a click away from everything you need, whenever you want it, from wherever you are.

The Financial Game Planning Process.

Below are the steps in our financial planning process.  Investment is a long term proposition.  We're with you every minute of the game.

Pregame-Initial meet and greet.  Get to know each other on a personal level.  What are your priorities, what does your current situation look like, discuss your goals.  This is a conversation where we each share our values and beliefs. The goal is to determine how and if we can help and to clearly understand what you need and want most out of a financial advisory relationship.

1st Quarter-Gather information and define your goals.  We've decided we can work together and ready to start the financial game planning process.  We take a collaborative approach with our clients.  Setup your online access to your financial game plan, clearly define your goals and link accounts. Our clients have 24/7 online access to their information and financial game plan.    

2nd Quarter-Financial Game Plan creation.  We take the inputs and data gathered in the 1st Quarter and put together your financial game plan and strategy.  We review asset allocations, current assets, debt load, current insurance in place and needed action steps to pursue your financial goals.  

3rd Quarter-Implementation.  Knowledge is not power. . .applied knowledge is power.  At this step, we open our rerecommended accounts, put our required asset allocations in place, and implement the financial game plan.

4th Quarter-Follow up.  A good coach should give it to you straight and provide you with guidance and support when you need it most.  We'll let you know when you're on track or where we need improvement.  We setup a review schedule that includes on going market guidance, asset allocation review and proposed adjustments when necessary.  


The Financial Game Plan-Pricing and Complexity

Following our Gain/Guard/Goal methodology, below are our 3 Financial Planning packages based on where you are in your time horizon and the complexity of your financial position.  

Gain Stage-it's early in the game.

Gain Stage-it's early in the game.

You're getting started in your financial game. Focus here is on education and putting a strong financial game plan in place.

What's included with this package:

-  Budget development and cashflow analysis
-  Student loan analysis
-  Debt Mitigation steps
-  Risk Tolerance and Diversification Analysis
-  Retirement Needs Analysis
-  Asset Allocation for All Accounts (401(k), IRAs, Individual, Joint, Trusts)
-  Employer Group Benefits
-  Insurance Analysis (Health, Disability, Life, Auto, Home)
-  Family Planning-child birth, college savings
-  Emergency Fund Planning 

24/7 access to your financial game plan, tools and information via your personal website on WealthVision.  

Guard Stage-you're past half time.

Guard Stage-you're past half time.

Focus in the Guard Stage is to mitigate draw down risk, while seeking to grow assets.  Develop strategies to guard what you've accumulated over the first half of the game.  

What's included with this package:

-  Budget development and cashflow analysis
-  Student loan analysis
-  Debt Mitigation steps
-  Risk Tolerance and Diversification Analysis
-  Retirement Needs Analysis-shortfall strategies (if applicable)
-  Asset Allocation for All Accounts (401(k), IRAs, Individual, Joint, Trusts)
-  Employer Group Benefits
-  Insurance Analysis (Health, Disability, Life, Auto, Home, Long-Term Care)
-  Family Planning-child birth, college savings
-  Emergency Fund Planning
-  Social Security planning
-  Medicare planning
-  Mortgage & Real Estate debt/affordability analysis
-  Tax-Analysis of Investments
-  Estate Planning

24/7 access to your financial game plan, tools and information via your personal website on WealthVision.  


Goal Stage-you're at the goal line!

Goal Stage-you're at the goal line!

Focus in the Goal Stage is income and asset distribution strategies, asset preservation and asset transfer planning.  You've fought for every inch, now you're on the goal line.  

What's included with this package:
- Current and post retirement-Budget development and cashflow analysis
- Debt Mitigation/reorganization strategies
- Risk Tolerance and Diversification Analysis
- Retirement Needs Analysis-shortfall strategies (if applicable)
- Asset Allocation for All Accounts (401(k), IRAs, Individual, Joint, Trusts)
- Roth conversion strategies
- Employer Group Benefits Analysis-current and post retirement (if applicable)
- Insurance Analysis (Health, Disability, Life, Auto, Home, Long-Term Care)
- Emergency/Medical Fund Planning
- Social Security planning and strategies
- Medicare planning-Trust development
- Tax-Analysis of Investments
- Estate Planning
- Develop income and asset distribution strategies
- Inheritance & Asset Transfer Strategies
- Gifting Strategies
- Inheritance Strategies
- Professional coordination-CPA, Insurance, Attorney

- Tax planning/income strategy/succession planning (if applicable)

24/7 access to your financial game plan, tools and information via your personal website on WealthVision.

Gain Stage Financial Planning Package

Gain Stage Financial Planning Package

$500 Initial Setup Fee

$50/mo 

24/7 Access to WealthVision, tools, financial game plan and information.

Access to educational, budget and market analysis content.  

Annual review and planning meeting.  

Get Started
Guard Stage Financial Planning Package

Guard Stage Financial Planning Package

$1000 initial setup fee

$175/mo 

24/7 Access to WealthVision, tools, financial game plan and information.

Access to educational, tax strategy, social security updates, market trend and market analysis content.  

Quaterly review and planning meetings.  

Get Started
Goal Stage Financial Planning Package

Goal Stage Financial Planning Package

$2000 initial setup fee

$350/mo

24/7 Access to WealthVision, tools, financial game plan and information.

Access to tax changes, market trend and market analysis content.  

Quaterly review and planning meetings.  On call access during volatile market conditions.  

Get Started

SIMPLIFY YOUR FINANCES. SPEND MORE TIME ON WHAT’S IMPORTANT If you’re looking to take the complexity out of managing your finances, it would be our pleasure to talk to you about how you can access your comprehensive financial picture today.

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