{"id":806,"date":"2017-05-08T20:32:21","date_gmt":"2017-05-08T20:32:21","guid":{"rendered":"http:\/\/138.68.1.151\/?page_id=806"},"modified":"2022-07-25T22:14:22","modified_gmt":"2022-07-25T22:14:22","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/pacificinvestmentresearch.com\/what-we-do-2\/financial-planning\/","title":{"rendered":"Comprehensive Financial Planning"},"content":{"rendered":"<p>Our lives are complex and each stage in our life has its own unique set of joys and challenges.\u00a0 As we transition from one stage into another there are many financial questions to consider to put our house in order.\u00a0 The planning process helps us reduce stress, thereby enhancing our life experience.<\/p>\n<p>Pacific Investment Research provides comprehensive financial planning to reduce your stress and provide actionable recommendations.\u00a0 Comprehensive financial planning takes into consideration various financial aspects of your life, including cash flows, risk management, insurance planning, tax planning, investments, and estate planning.<\/p>\n<p>Comprehensive financial planning can be especially useful as we approach retirement and\/or are in the retirement phase of our lives.\u00a0 <strong>Let us be your partners in creating and living a life of your dreams.<\/strong><\/p>\n<h4>Preparing a Financial Plan<\/h4>\n<p>We follow an in-depth process toward preparing a financial plan.\u00a0 It usually starts with understanding&#8230;<\/p>\n<ul>\n<li>Where are you starting from.<\/li>\n<li>Where you want to end up.<\/li>\n<li>The steps and milestones necessary to get you there.<\/li>\n<\/ul>\n<p>Once the discovery process is complete and the data is gathered, we get to work analyzing your unique financial situation.\u00a0 We use a cash flow based approach to planning, meaning we collect current income and expense data and use it to project cash flows year into the future, while also accounting for unexpected events.\u00a0\u00a0We want to make sure all aspects of your financial life are evaluated and organized to meet your needs now and in the future.<\/p>\n<p>Really, this plan is a <b>detailed road map to your future<\/b>.<\/p>\n<p>Our Comprehensive Financial Planning process typically deals with all financial areas including:<\/p>\n<h4>Step 1: Risk Management \/ Insurance Planning<\/h4>\n<p>We assess the risks you face in the areas of life, health, disability, long-term care, home\/auto, and personal liability.\u00a0 We then make\u00a0recommendations regarding coverage or suggest areas for further discussion with your insurance professional.<\/p>\n<h4>Step 2: Income Tax Planning<\/h4>\n<p>We will review your tax returns, analyze\u00a0current and projected income tax exposure, and make recommendations on how you can reduce your future income tax liability.<\/p>\n<h4>Step 3: Cash Flow\/Retirement Planning<\/h4>\n<p>Here, we will forecast your income, expenses, savings and withdrawals.\u00a0 In addition, we will determine the most tax efficient way for you to take income during retirement from taxable accounts, retirement accounts, real estate, social security, etc.<\/p>\n<h4>Step 4: Investment Planning<\/h4>\n<p>We will thoroughly review all your existing investment holdings.\u00a0 We will also help you reassess and refine your investment objectives so they more closely align with your overall goals and time-frame.\u00a0 Our approach is always \u201cbig picture\u201d in nature to ensure that we address any possible variables.<\/p>\n<p>The investment plan will also include\u00a0a disciplined strategy for managing the downside risk of the investment portfolio &#8211; a key strategy in\u00a0securing your long-term peace of mind.<\/p>\n<h4>Step 5: Estate Planning<\/h4>\n<p>Among the most important considerations of any wealth management plan is:\u00a0\u00a0<strong>what happens to my remaining wealth when I die?<\/strong><\/p>\n<p>We work with you to review the financial aspects of your estate plan.\u00a0 Our goal is to help you minimize estate taxes, while preserving your wealth for your beneficiaries.\u00a0 We will also work with your estate planning attorney (or recommend a trusted one), to ensure that all your necessary estate planning documents (wills, beneficiary designations, trusts, powers of attorney, etc.) are in order.<\/p>\n<p>We will also help you make lifetime gifts to loved ones or charities if you so desire.<\/p>\n<h4>Step 6: Implementation and Monitoring<\/h4>\n<p>Once your financial plan is completed, Pacific Investment Research will work with you to implement the plan.<\/p>\n<p>This includes review and updates to make sure you are staying on track to the milestones in the plan.\u00a0 As obstacles arise, we will adjust the plan as needed.\u00a0 This way, we can help ensure that you achieve the goals you set for yourself.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our lives are complex and each stage in our life has its own unique set of joys and challenges.\u00a0 As we transition from one stage into another there are many financial questions to consider to put our house in order.\u00a0 The planning process helps us reduce stress, thereby enhancing our life experience. Pacific Investment Research provides comprehensive financial planning to reduce your stress and provide actionable recommendations.\u00a0 Comprehensive financial planning<\/p>\n","protected":false},"author":2,"featured_media":1001,"parent":597,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comprehensive Financial Planning l Pacific Investment Research<\/title>\n<meta name=\"description\" content=\"Our goal is to help you minimize estate taxes, while preserving your wealth for your beneficiaries.\u00a0 We will also work with your estate planning attorney.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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