Services / Financial Planning
The plan comes first.
A written financial plan that connects goals, cash flow, taxes, and investments — built with your CPA in the room, and reviewed on a schedule instead of in a panic.
What a real plan does.
Most people's finances are a stack of accounts held together by good intentions: a 401(k) here, a brokerage account there, an insurance policy someone sold them in 2014. A financial plan replaces the stack with a sequence — what to do, in what order, and why — so every dollar has a job and every decision has a context.
Our plans start from the document most planners never read: your tax return. Because Xel Wealth Management works alongside the CPAs at Xel Advisors, the plan reflects what you actually keep after taxes — not gross projections that fall apart every April.
The deliverable is deliberately plain: a written plan, a one-page action list with deadlines, and a live planning portal (powered by eMoney) where you can see the whole picture update as accounts move.
Planning is a rhythm, not an event.
A plan printed once and filed away is out of date by the time the toner dries. We review on a set schedule and re-run the analysis when life changes — a business sale, a new state of residence, a market drawdown, a family addition. The questions stay the same: are the goals still funded, is the risk still right, and is there a tax move worth making before December 31?
- Net-worth & cash-flow baseline
- Goal funding — retirement, education, property
- Tax coordination with your CPA
- Insurance & estate document review
- Investment policy statement
- Prioritized action list with deadlines
- Live planning portal (eMoney)
Payday. The money lands in checking, and then it just sits there.
Every month, the same question: how much should go where?
And too often, March is when you find out what you should have done in October.
A structure that runs itself.
First, a reserve. Cash you can reach in a day, in a money market or savings account. A set number of months of your expenses, sized to your situation.
Once the reserve is where it should be, the surplus goes to work.
The transfers run on their own, so saving stops being a decision you have to make every month.
Whatever sits above the reserve's line, including what the reserve itself earns, can be moved into the investment account on a schedule, so extra cash is invested alongside the rest of your plan instead of sitting idle.
How much goes where, and in what order, depends on you: your tax picture, when you will need the money, and what your employer offers.
You will see the whole plan before we set anything up.
Book a 30 minute intro callA regular investment account. Invested, and reachable well before retirement.
a retirement plan your own company sponsors
A 401(k), SEP or IRA. Usually a tax break now; you pay tax when you take the money out.
A Roth account, taxed now, so qualified withdrawals later come out tax-free.
The next few years
A regular investment account. Invested, and reachable well before retirement.
Future you, taxed later
a retirement plan your own company sponsors
A 401(k), SEP or IRA. Usually a tax break now; you pay tax when you take the money out.
Future you, taxed now
A Roth account, taxed now, so qualified withdrawals later come out tax-free.
Illustrative only. Maya is a fictional example. Not a recommendation of any account type or strategy for you. Money market and savings yields vary and are not guaranteed. No performance is shown.
Xel Wealth Management is a registered investment adviser in California and Oregon. Illustrative only. Maya is a fictional example. Not a recommendation of any account type or strategy for you. Money market and savings yields vary and are not guaranteed. No performance is shown.
Illustrative only. Maya is a fictional example. Not a recommendation of any account type or strategy for you. No performance is shown.
What the plan digs into.
TopicsWho we plan for.
FitBusiness owners
Compensation, entity coordination, retirement plan design, and exit readiness — the flagship engagement.
High-earning households
Physicians, executives, and partners balancing equity comp, high marginal rates, and not enough hours to manage it all.
Ten years from the finish
The decade before retirement decides most of what the retirement looks like. See retirement income.