What makes our group unique is our motto: Develop Financial Character.TM
How we do that is with Dynamic Planning & Empowerment.
Dynamic: A process or system characterized by constant change, activity, or progress. Your goals should remain constant, but your plan should evolve. That is why our logo has the tree rings because we know that financial planning is a process.
Planning: The process of deciding on and arranging in advance. We see money as a tool. The more tools you have the more prepared you will be for life’s challenges or opportunities. Betting is hoping that you’re right, and gambling is purely entertainment. We don’t want to bet on our client’s future, we help make plans. BF is there to grow with you as you work to realize the goals of your future. The plans may change – several times – but there will always be a plan for whatever may come next.
Empowerment: The process of becoming stronger & more confident, especially in controlling one’s life and claiming one’s rights. BF believes in empowering you with financial education and knowledge to be able to assist you get to where you want to be. As our clients build ownership in their plan, our clients gain confidence in their future. We encourage everyone begin as early as possible so they have even more choices in their lifetime regardless of the circumstances. Our goal is to move from creating the plan for our clients to empowering our clients so they can feel like they own the plan and we help.
We’re a retainer based firm and we base those fees on the amount of amount of time and research dedicated to build a plan for a client. A fee is charged on an initial financial plan. We have several packages to accommodate for where different clients may be at this time. We are compensated as a broker for subsequent transactions on insurance or investment placements. So there is no charge for our first meeting. but once we decide to work together, there is an charge for the retainer. To make things easier we have several payment options to fit into your budget.
Financial planning is the development of a plan for evaluating a client’s current financial situation, identifying areas of need, and planning for future life events. Wealth management typically only focuses specifically on investment management. Financial planning includes estate planning, insurance & asset protection, investments, and cash flow management. We offer our services as a package to those who can’t take the time to do it themselves.
A financial advisor is a trained specialist who helps clients make good financial decisions. These decisions often include, but are not limited to, choosing good insurance policies and investments. From retirement planning to insurance coverage advice to tax and debt reduction strategies. In turn this typically reduces a lot of stress! Becoming Financial can help clients in every phase of their financial lives.
If you feel too busy to do your financial planning, BF is the right place for you! We know that life is stressful and chaotic. And the more that we procrastinate doing our financial planning, the bigger of a deal it becomes. Right? Our mission is to allow our clients to finally use money as it was intended, to help them grow and develop into the type of people they want to BECOME.
There is no better time than now to start. Even if you come to meet with us to lay out a timeline, you will be one step closer! Generally we’ve found on average the entire time committed to on-boarding on our client’s behalf is less than 8 hours in total! That includes 3-4 meetings, following up with account information, insurance exams & applications, and investment calls & paperwork. Would you be willing to take one working day to begin setting up the rest of your life financially!?
Anyone, any age looking at their financial future can benefit from working with a good financial advisor either periodically or on a regular basis. We generally work with Business Professionals who may feel like the candle is burning at both ends. With that being said, BF serves people at all income levels and from all walks of life. The most important quality of our clients is that they want to grow personally, and they understand that having money is not the goal, using money to improve their life is the goal!
Did you know that Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice in the miscellaneous section of Schedule A? If you didn’t, maybe you should come meet with us!
It is very important to us to educate our clients so they can make well informed decisions. The facts and features of a product are important, but the most critical part of a financial plan is that you know how and why we decide to do what we do and that everything aligns with your values. We will take the time to be certain that you feel proud of your situation and would be able explain your financial situation to someone else.
Account statements, budget information or other areas of your financial picture that you feel deserve immediate attention.
Also, please consider some of the following questions: How comfortable or confident are you with your current financial situation? How about the future? What things would you like to change? Where can you use the most help? What are your most important financial goals? What do you hope to accomplish financially within the next year or two? The next 5 years? 10 years? 25 years?
We believe that you should judge performance based on how well you are tracking toward your goals. To measure that well usually requires that both your BF advisor and you are taking the actions we’ve modeled and planned together. You will be able to log onto PFV Pro to check all your financial plan and all assets and liabilities. The website updates daily so we don’t have to wait for quarterly statements or guess account values.
No, that is just the beginning! Our clients are on a journey of BECOMING! We review their life plans once per year, and their financial plans at least once per year. Some clients may want more meetings, and we will adjust fees for time needed. If any questions or follow ups are created in between, we are here to service our clients right away.