"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.
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.
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
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.
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.
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!
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
$800 Initial Setup Fee
3 Month Engagement
Ongoing consultation and service
$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.
Guard Stage Financial Planning Package
$1500 initial setup fee
6 Month Engagement
Ongoing consultation and service
$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.
Quarterly review and planning meetings.
Goal Stage Financial Planning Package
$3000 initial setup fee
12 Month Engagement
Ongoing consultation and service
$350/mo
24/7 Access to WealthVision, tools, financial game plan and information.
Access to tax changes, market trend and market analysis content.
Quarterly review and planning meetings. On call access during volatile market conditions.