The bedrock of working with Sonoma Wealth Advisors is your Financial Plan. We provide clarity in everything we do, and we know Financial Planning is commonly confused with Investment Management. So let's take a moment right here to get clear:
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Financial Planning
The basis for Financial Planning is time. A timeline of expected or proposed events like retirement, purchasing real estate, entering or exiting a business, college savings and more. Where do you want to be at age 65? That's a question answered in your financial plan. And how can those milestones be reached with tax efficiency? |
Investment Management
With your plan in place, our advisors can then recommend the types of investments and contributions to make. The timeframe for your financial plan determines what kind of risk is appropriate for your investment management. For example, a 30-year timeframe could handle more risk than a financial plan with a 10-year window. |
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Goals Your goals, not ours. We're here to serve you and support where you want to go. You share your dreams; we'll listen and create a plan for the future.
Cash Flow Planning Depending on your situation, you may be considering taking Social Security, pension payments or invest income. Did you know that when you decide to take income can affect how much you get? Our advisors help determine optimal timing based on all the factors in your portfolio. |
Tax Efficiency The investments you make and the types of accounts they are in can greatly impact your tax burden. Our advisors determine the path that benefits you most.
Ongoing Communication Signing on the dotted line is just the beginning of our relationship. Expect regular check-ins with your advisor and availability to address new developments. As life happens, we're here to adjust the plan with you. |
Confidentiality
It goes without saying, but we'll say it anyway- all matters discussed, facts revealed, and the nature and content of all documents you provide to Sonoma Wealth Advisors are confidential. Your security and privacy are at the forefront of our service to you.