Financial Planning

Formulating thoughtful strategies for achieving your life’s financial goals.

Our Service

Financial planning is at the heart of our business. We begin the engagement with listening to and engaging with our clients to determine short and long-term goals, to evaluate risk tolerance, and to establish clear goalposts for success. Our integrated wealth management and financial planning process analyzes all aspects of your financial life. This includes understanding your complete financial picture, including assets, liabilities, liquidity needs, savings, cash flow, estate planning, taxes, retirement planning, and education planning, among others. Once we have a clear picture of your financial status and goals, we will implement a tailored investment plan, which is regularly monitored and analyzed for additional opportunities and optimal performance.

Our financial planning service helps us determine what is most important to you in life, and why it is important. Your financial advisor will help you to identify, achieve and maintain your targeted lifestyle, providing financial piece of mind.

Your financial advisor will serve as a sounding board to identify what goals are important to you, including:

  • Saving for extended travel
  • Starting your own business
  • Investing in companies, industries and causes that are important to you
  • Ensuring a comfortable retirement
  • Implementing a college savings plan for kids, grandkids, or other relatives

Your financial advisor will consider any barriers that might stop you achieving your longer-term plans, working closely with you to set up the actions you need to take to achieve your goals. Because life often gets in the way of even the best plan, our annual review meetings will help you stay on track.

Who We Work With

No matter what stage of life they are in, we give clients the confidence and security to enjoy their wealth. This includes individuals building wealth, those approaching retirement, and clients already in retirement.

Individuals Building Wealth

We find that clients in their 20s, 30s and 40s want to enjoy their finances while preparing for life after work. Typically, these clients are looking for guidance for how to build wealth, and to understand where their finances will take them.

In many instances, these clients are:

  • Paying down their mortgage and other debts
  • Looking at ways to fund college costs for their children
  • Interested in learning what the best vehicles are for saving for retirement
  • Considering how to help their children purchase property
  • Assuming responsibilities for older relatives
  • Interested in the performance of their investments
  • Wanting to enjoy their lives now

Approaching Retirement

Clients who are approaching retirement want to ensure that their hard work will pay off. At Hermosa, we are here to evaluate your retirement assumptions, and will provided a detailed cash inflow and outflow for the future. We will identify important risk factors and will closely monitor retirement assumptions to ensure your retirement funds are sufficient for future needs.

In Retirement

At Hermosa, we understand that that financial planning does not stop when retirement starts. For many clients in retirement, their concerns are around having enough money to last through retirement, while still maintaining their current lifestyle. Our advisors will advise on investment portfolio construction, monitor investment performance, as well as address anticipated health care costs throughout retirement. Hermosa will also work with you to ensure that your will and estate plan is in order, to make certain that wealth and business interests are passed to loved ones or charities, while reducing taxes, when possible. No matter your goals or what stage of life you are in, Hermosa can provide you with a wide range of resources and support to ensure your needs are met.

Our Commitment to You

At Hermosa, we put our clients at the very center of our financial planning service. We are here to ensure that all clients enjoy friendly, personalized service which delivers financial peace of mind. To ensure that our clients receive the best possible service:

  • We educate and guide you through investment options
  • We return promptly all emails and phone calls
  • We are fully transparent and provide a thorough explanation of all fees; and
  • We are committed to integrity and the highest ethics

Furthermore, as a Registered Investment Advisor, Hermosa Inc. acts under the Fiduciary Standard of care, which means we act solely in the client’s best interest when providing personalized financial advice.

Want to learn more? We are here to help.

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