Financial Planning for Individuals and Families
What are your unique financial goals and values?
At Borges Financial, we work closely with individuals and families helping them achieve their financial goals. Our thorough discovery process enables us to dig deep to find out what’s most important to you and what you wish to achieve with your money. This holistic approach to information gathering is part of what guides our advice and customized financial plan. The resulting detailed financial plan then leads to the resulting investment strategy for each client. Financial planning is an iterative process that is to be monitored and repeated as life is dynamic. We partner with you to navigate your options and help you stay on track no matter what life throws your way.
Retirees and Near Retirees
Borges Financial has a focus on helping clients near to and in retirement. We are a trusted partner in helping clients enjoy their retirement and achieve their unique goals.
We help clients navigate and answer the following questions giving them peace of mind and confidence in their retirement strategy:
When can I retire?
Can I maintain/achieve my desired lifestyle in retirement? If not, how can I make successful adjustments?
How long can my assets and investments sustain my desired lifestyle in retirement?
How should my portfolio be allocated given my specific retirement goals and time horizon(s)?
When should I take social security?
Which accounts should I withdraw from first when funding retirement expenses?
What is my ideal withdrawal rate from my portfolio given my specific goals?
How can I optimize my retirement plan to make improvements?
A tax efficient sustainable withdrawal strategy and thoughtful risk controlled portfolio management are paramount in achieving a successful retirement. Let us help you retire with confidence. Book a free introductory call here.
Professionals and Families in the “Accumulation” Phase
Borges Financial also has a key focus on helping individuals and families that still in their earning years working to build their nest egg for retirement and achieving their other financial goals. We love working with clients in this phase because the impact of thoughtful financial planning and investment management can be immense given the amount of time on the side of clients. When you take smart financial actions earlier in life, the financial impact can be significant given the effect of compounding. Time is a very significant variable in investing and financial planning. Don’t put it off!
We help clients navigate and answer the following questions giving them peace of mind and confidence in their financial planning strategy:
How much of our household income should we be saving?
We have $X amount of surplus cashflow each month. Which accounts should we fund first and how much?
How can we be more tax efficient in our planning strategy? Have we utilized all the tax advantaged accounts available to us?
Have I optimized the employee benefits available to me?
How should my portfolio be allocated given my specific goals and time horizons?
Do I have adequate insurance coverage (life, disability, etc.) given my specific situation and goals?
If we continue at our current trajectory what will retirement look like? How can we improve that outcome?
How do I allocate our savings and cashflow to competing goals? How should I prioritize?
We help you give every dollar a job when achieving your financial goals. We aim to help you optimize your financial situation and improve outcomes through thoughtful financial planning and investment management. Book free introductory call here.
Our Typical Process and Hypothetical Service Calendar
A good financial plan is never really finished. The planning process is dynamic and requires adjustments as life circumstances change. Many clients continue to engage our services for regular review meetings to help ensure they stay on track and take advantage of planning opportunities as they arise.