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 Process

Cash Flow Planning

Determine and identify incomes and expenses to provide a calculation of discretionary cash flow.

Protection Planning

Review exposure to unanticipated risks such as an early death, disability and long-term care.

Investment Planning

Create optimal portfolio that minimizes tax liabilities while matching a client’s risk tolerance and financial goals.

Tax Planning

Explore strategies that can help clients keep more of their money, now and in the future.

Retirement Planning

Determine goals, develop a strategy, and remain a guide throughout a client’s retirement.

Estate Planning

Review current estate planning documents and offer suggestions to discuss with a client’s attorney.