Wherever you are in your life, it’s never too soon, or too late, for financial planning. At ROI Financial, we believe it’s good to dream big. It’s great to start small. And it’s essential to plan. A custom financial plan from ROI will guide you, step by step, toward the future you want.
As fee-based fiduciaries, we always put your best interests first. In other words, you can count on us for unbiased, expert advice and strategies.
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Financial Planning Services
Your customized, written financial plan is centered on your dreams. It provides expert guidance for multiple aspects of your financial life, including:
Investment Strategy
Tax Planning
Portfolio Management
Retirement Planning
*Requires an additional fee based on a percent of assets under management; see Portfolio Management for more information.
Financial Freedom Faster
Take a step in the direction of your dreams. New to ROI Financial Advisors, schedule your appointment.
Financial Forecasting Services
Understand where you stand today, so you can reach where you want to go tomorrow. Additional elements included with your financial plan are:
Current Net Worth
Cash Flow Analysis
Future Charting
Estate Planning
*Requires an additional fee based on a percent of assets under management; see Portfolio Management for more information.
True stories. Real results.
Financial Freedom Faster
Take a step in the direction of your dreams. Schedule your free, one-hour consultation with an ROI Financial Advisor.
Frequently asked questions about financial planning
A financial plan is different for everyone, because everyone has their own relationship with money, unique goals, and ideas of what “wealth” means to them.
That said, financial plans have common elements we’ll address for everyone, including:
- Your short- and long-term goals
- Your financial picture (sources of income, debts, also called net worth and cash flow)
- Personalized approaches for spending and saving
- Debt strategy
- Tax strategy
- Investment strategy
- Retirement
- Special needs, such as saving for travel or eduction
- Gifting strategies
- Planning to leave a legacy
Financial planning is for anyone who wants to make the most of their money and to feel financially secure.
It’s a common misperception that you have to be rich to use a financial advisor or that you have to make a lot of money to need financial planning. At ROI, we’re here to make wealth-building accessible to all.
For younger people, financial planning can help you make smart decisions about student loans, credit, buying a house, and employment benefits like stock options, matching contributions, and more. Small changes now can make a big difference for you in the future.
In mid-life, financial planning can help you take control of your earnings, spending, and saving to open the door for the retirement of your dreams, buying a second home, planning for your child’s education, or caring for an older parent.
During pre-retirement and retirement years, financial plans are crucial for making decisions about when to start taking Social Security and any other retirement benefits, minimizing taxes, spending your savings carefully, funding long-term care, and leaving a legacy of wealth for the next generation, if desired.
The process starts with a free, one-hour consultation with one of our planners to ask questions, and decide if you want to work together.
From there, both you and your financial planner have a few things to do, but it isn’t a long process. You’ll need to gather financial information through your smartphone, printed bank statements, pay stubs, tax returns, and loan or credit card statements. The more organized your financial information is, the faster your part is!
In our next meeting together, we'll continue discussing your goals, relationship with money, and exploring your opportunities and challenges.
How long it takes for your financial planner to present you with a detailed draft depends on how complex your situation is and how much more information they need to collect or discuss with you. In general, you can expect to come back to review your preliminary plan a few weeks after your first meeting.
We'll listen to your feedback, make changes, if needed, and present your final plan in about one more week.
We applaud you for using budgeting apps to monitor your cash flow and finance apps to see your net worth. On the pro side, using apps is a convenient way to keep an eye on your financial health. There are downsides to doing your own financial planning, however.
On the con side, algorithms and AI are limited in their ability when it comes to interpretation, prediction, and anticipation. Plus, they aren’t able to think critically or creatively to craft plans as unique as you are. Another con to doing your own planning is that you can miss important ways to leverage one aspect of your financial life to improve the performance of another part.
Working with an experienced financial planner can help you save money, make better decisions, and provide invaluable advice, information, and knowledge to you along the way.
We applaud you for using budgeting apps to monitor your cash flow and finance apps to see your net worth. But algorithms and AI are limited in their ability when it comes to interpretation, prediction, and anticipation. And, they aren’t able to think critically or creatively to craft plans as unique as you are. Working with an experienced financial planner can help you save money, make better decisions, and provide invaluable advice, information, and knowledge to you along the way.
No. We are a fee-only financial planning firm. ROI Financial Advisors is a Registered Investment Advisor (RIA). This means we are registered with the Securities & Exchange Commission (SEC) and our firm is a fiduciary. As a fiduciary, we are legally and ethically bound to act in our clients’ best interests at all times. No sales. No commissions. No conflict of interest.