Financial Planning

Aligning your finances with your core values

Financial planning is about aligning your money with your aspirations. It's not just about accumulating wealth, but more about using that wealth to create the life you want. It's about understanding your current financial situation, defining your financial goals, and then crafting a plan to bridge the gap between the two.

It isn’t about predicting the future or making precise forecasts. No one can do that. Instead, it’s about preparing for a range of possible outcomes and ensuring you have the flexibility to adapt as circumstances change. It’s about making informed decisions today that set you up for a better tomorrow.

Core Values Financial Roadmap

A Financial Roadmap

Ongoing planning

The plan comprises several vital components that work together to form a comprehensive framework for managing your money and achieving your objectives. By focusing on these components and formulating a strategy, we can assist you in gaining a better understanding of your current financial situation and making informed decisions to reach your goals.

  • Goals and Purpose
  • Cash Flow Analysis
  • Tax Planning
  • Insurance Planning
  • Charitable Giving
  • Education Planning
  • Estate Planning
  • Retirement Planning
  • Investment Planning
  • Lifestyle Changes

One-Page Financial Plan

Planning, simplified

The concept of a one-page financial plan acknowledges that life is complex, and our financial situations are often intertwined with our emotions, aspirations, and unique circumstances. However, it also recognizes that, at its core, personal finance is about making smart decisions with the resources we have, and that these decisions can often be boiled down to a few key principles.

It’s a distillation of your financial goals, priorities, and strategies into a single, concise document that serves as a roadmap for your financial journey. The beauty of a one-page financial plan lies in its simplicity, which encourages clarity of thought and purposeful action.

Financial Planning simplified one-page

The Process

The planning process empowers you to confidently make informed decisions and progress towards your goals.

Step 1

Introductory meeting

In the introductory meeting, we work to establish a mutual understanding between you and our team. We outline our services, discuss fee structures, and listen to your financial goals and concerns. This no-obligation session sets the stage for our potential partnership, allowing both parties to assess compatibility and decide on the next steps.

Step 1

Step 2

Personal financial inventory

We will work together with you to gather all the necessary financial information. This will include exploring your income sources, carefully considering your expenses, examining your assets and liabilities, and taking into account any other relevant details necessary for creating a comprehensive financial plan. We will leave no stone unturned in our quest to provide you with a well-rounded financial plan that is tailored to meet your specific needs.

Step 2

Step 3

Initial review & analysis

During the review and analysis stage, we meticulously examine multiple facets of your financial profile. This includes your sources of income, spending habits, assets, liabilities, investment portfolios, tax obligations, and risk tolerance. Through this comprehensive evaluation, we identify your financial strengths, weaknesses, opportunities, and potential challenges. Our approach employs both quantitative and qualitative methods to derive meaningful insights

Step 3

Step 4


In this stage, we develop a customized roadmap to achieve your financial goals. Think of it as crafting a blueprint for your financial success. Our approach is holistic, taking into account both short-term and long-term objectives such as retirement planning, home buying, education funding, and legacy planning. The goal is to create a financial plan that is in harmony with your unique circumstances, values, and priorities.

Step 4

Step 5


During the implementation stage, we will execute the strategies and recommendations outlined in your financial plan. We aim to bring your financial goals to fruition. This stage includes setting up relevant accounts, making adjustments to your existing financial structure, and aligning your investments, insurance, and retirement plans. We keep open communication throughout this process and provide regular updates and reports to keep you informed.

Step 5

Step 6


We carefully keep track of your financial plan to ensure that it continues to align with your goals and current situation. We understand that life is ever-changing and that plans must adapt accordingly. By frequently monitoring and meeting, we can identify and execute necessary changes to optimize your outcomes and keep your plan on track, regardless of what life throws your way.

Step 6

It is the process of setting monetary goals and creating a strategy to achieve them. This involves assessing your current financial situation, setting short-term and long-term objectives, and developing a plan to help meet those objectives.

It provides a roadmap for your financial future. It allows you to understand how each financial decision affects other areas of your finances, helps you navigate life’s uncertainties, and ensures you’re well-equipped to meet financial goals and secure your financial wellbeing.

Everyone! Whether you’re just starting out in your career, preparing for retirement, or anywhere in between, financial planning can help you make informed decisions and achieve your financial objectives.
The sooner, the better. Even if you’re starting with small steps, beginning early can have a compound effect on your savings and investments.
It’s recommended to review your financial plan at least annually. However, significant life events like getting married, having children, changing jobs, or receiving an inheritance may necessitate more frequent reviews.

While investment planning focuses primarily on selecting investments to achieve specific financial goals, financial planning covers a broader range of topics, including budgeting, tax planning, insurance, retirement, and estate planning.

While there are no guarantees in finance, a well-constructed plan, combined with regular reviews and adjustments, can significantly increase the likelihood of achieving your financial objectives.
Financial Planning Able Wealth

Financial Planning Fees

  • Fees can be paid monthly, quarterly or semi annually
  • Actual fee will be determined on complexity and scope after an initial consultation

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Volatility Drag

Volatility drag, often unnoticed by many investors, plays a significant role in the performance of investment portfolios, especially in markets characterized by high volatility. Understanding volatility drag is crucial for making informed investment decisions and managing long-term investment performance.

Understanding Volatility Drag

Volatility drag refers to the negative effect of investment volatility on compound returns over time. It occurs because losses have a more significant impact on portfolio value than gains of the same magnitude. For example, if an investment loses 10% one year and gains 10% the next, the investment will not return to its starting value due to the mathematical asymmetry between gains and losses. This phenomenon underscores the importance of minimizing large fluctuations in investment value to protect long-term returns.

The Mathematics Behind Volatility Drag

The mathematical principle underlying volatility drag is relatively straightforward but profound in its implications for investors. The key concept is that percentage gains and losses are not symmetrical. A 50% loss requires a 100% gain to break even, not a 50% gain. This asymmetry means that volatility (up and down movements in price) can erode the compound growth rate of an investment, even if the arithmetic mean of the returns seems healthy.

Example of Volatility Drag

Consider an investment with the following annual returns: +20%, -15%, +10%, and -5%. While the arithmetic mean of these returns might suggest a modest positive performance, the compound annual growth rate (CAGR) would tell a different story, factoring in the volatility drag and showing a lower effective return than the arithmetic mean would suggest.

Implications for Investors

  • Risk Management: Understanding volatility drag emphasizes the importance of risk management strategies, such as diversification and the use of derivatives for hedging, to minimize significant downturns in portfolio value.
  • Investment Strategy: Investors might consider investment strategies that aim for steady, consistent returns over those with potentially higher but more volatile returns. Such strategies might include investing in low-volatility stocks, index funds, or using dollar-cost averaging to mitigate the impact of market fluctuations.
  • Psychological Aspects: Volatility drag also highlights the psychological challenge for investors who may overreact to short-term market movements. A long-term perspective is crucial for successful investing, as frequent trading in response to volatility can exacerbate the drag on returns.
  • Performance Evaluation: When assessing investment performance, considering both the arithmetic mean return and the compound annual growth rate (CAGR) can provide a more comprehensive view of an investment’s performance, factoring in the effect of volatility.
Investment Advisory Fees

Fee Rate: %

Annual Fee: $

  • Fee charged on a percentage-tiered rate
  • Fee based on total assets managed
  • Fee covers services such as portfolio design, continuous monitoring, rebalancing, and personalized guidance

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