Balance Financial Planning

Everyone has different financial goals, values, and challenges. First we take time to understand your unique situation and your financial constraints. We then work with you to develop strategies to help reach your goals. Finally, we lay out both short and long term targets to help track your progress towards your goals.

We use mainly low-cost index and exchange-traded funds (ETFs) to create a diversified portfolio so that you can earn optimal returns without paying high fees. We develop an investment program specific to you by understanding your current life goals, assessing your personal risk tolerance and knowing when you and your family will need the money.

There are many events in life that affect your cash flow - getting married, having a child, changing jobs, going back to school, buying a house, or retiring. Cash flow planning looks into the details of how these events will affect your income, taxes, expenses, and savings. We estimate your taxes and cash flow and see how they may change in the future because of an upcoming event or sale of assets.

I started Balance Financial Planning with a desire to provide objective, practical financial planning and investing advice to help individuals and families manage their finances and plan for the future. Having a plan in place for your finances is the first step to reaching many of your goals.

Whether it's saving for retirement, starting your own business, staying home with the kids, or traveling around the world, having a plan in place today will give you more options and freedom in the future.I help people find strategies to reach their goals and develop personal plans that create a more organized and less stressful financial life.

Fee-only means that all our fees are easy to see and you know exactly how much you are paying for our services. We do not earn commissions on selling or recommending any product or service. We believe this is the best way to stay impartial and avoid conflicts of interest. We always start by understanding your goals and values before designing your financial plan.