Our Process At Tony Pondel, CERTIFIED FINANCIAL PLANNER™, P.C., we believe that financial planning should not be an afterthought. Rather, a financial plan is a roadmap to reaching retirement goals and dreams, laying out how to get there with checkpoints along the way to determine progress. We focus heavily on designing financial plans that meet the individual needs of our clients today while having the flexibility to grow and adapt with them in the future. Our financial planning process allows us to truly get to know our clients by valuing their input and involving them every step of the way.Overview of the Six Areas of Our Financial Planning ProcessCash Flow PlanningDetermine and identify incomes and expenses to provide a calculation of discretionary cash flow.Protection PlanningReview exposure to unanticipated risks such as an early death, disability and long-term care. Long-Term Care Review price and policy design through our relationships with independent outside specialists. Insurance Reviews Analyze current insurance or prospective policies to determine how they fit a client’s needs.Investment PlanningCreate optimal portfolio that minimizes tax liabilities while matching a client’s risk tolerance and financial goals.Tax PlanningExplore strategies that can help clients keep more of their money, now and in the future.Retirement PlanningDetermine goals, develop a strategy, and remain a guide throughout a client’s retirement.Estate PlanningReview current estate planning documents and offer suggestions to discuss with a client’s attorney.