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.

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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A plan printed once and filed away is out of date by the time the toner dries.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?

Every plan includes

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)

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What the plan digs into.

Topics

Cash flow & savings orderWhere each savings dollar goes first — 401(k) match, HSA, backdoor Roth, taxable — ranked by after-tax value for your bracket, not a generic pyramid.

Equity compensationRSU and option exercise timing, 83(b) decisions, concentration limits, and the AMT math — modeled before the vest date, with your CPA checking the return-side effects.

Education & family goals529 funding levels, custodial accounts, and gifting strategy that respects both the college math and the estate picture.

Insurance & riskLife, disability, umbrella, and long-term-care coverage reviewed against what the plan actually needs to survive a bad year — placed through any broker you choose.

Estate & titlingBeneficiaries, account titling, and trust funding checked against your documents — coordinated with your attorney and the estate planning team at Xel Advisors.

Who we plan for.

Fit

Owners

Business owners

Compensation, entity coordination, retirement plan design, and exit readiness — the flagship engagement.

Professionals

High-earning households

Physicians, executives, and partners balancing equity comp, high marginal rates, and not enough hours to manage it all.

Pre-retirees

Ten years from the finish

The decade before retirement decides most of what the retirement looks like. See retirement income.

Fair questions, straight answers.

FAQ

Do I have to move my investments to get a plan?No. Planning and investment management are separate decisions. Many relationships start with the plan alone; if managing the portfolio makes sense later, that's a second conversation.

What does the plan actually cover?Net worth and cash flow, goal funding (retirement, education, real estate), tax coordination with your CPA, insurance and estate review, and an investment policy — condensed into a prioritized action list with owners and deadlines.

How often is it updated?On a set review rhythm — typically quarterly or semi-annual — and any time something material changes: a business sale, a new child, an inheritance, a move between states.

What do you need from me to start?After the intro call: recent statements, your last two tax returns, pay or distribution details, insurance policies, and any estate documents. Everything moves through a secure portal, never email attachments.

What makes a plan 'tax-coordinated'?Every projection is built on after-tax numbers, and every recommendation is checked against the return before it's made — contribution type (pre-tax vs. Roth), realization timing, charitable structure, entity effects. With your permission, your CPA joins the review directly.

Is financial planning only for people with a lot of money?No — it's for people with decisions to make. Equity compensation, a business, a family, an inheritance, a retirement date: if the decisions are consequential, a written plan earns its cost. The intro call is how we both find out.

Start with the plan. Everything else follows.

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