A financial plan is a roadmap. It puts the whole journey into perspective. Where are you today? Where do you want to go? How will you get there? What will you encounter as you travel? What professional assistance will be required along the way?

No wise person would undertake a journey without a roadmap. That’s why developing sound financial plans for our clients is a Bluestone Financial hallmark. These plans form the basis for clients’ decision-making; it alerts them to dangers and apprises them of opportunities. And as life’s journey unfolds, the plan is returned to and updated; it constantly reassures clients their direction is correct and safe, and they will achieve their goals.

Is it worth the effort? Yes!

    1. First and foremost it’s the map that gets you there!
    2. It can save thousands of dollars on banking, investment and insurance fees by making certain you have the right financial products and are using them in the right way.
    3. It can save thousands of dollars in debt interest charges by using the right type of banking accounts, in the right way.
    4. It can save thousands of dollars in income tax by implementing smart tax strategies such as holding the right investments in the right accounts, and following a tax-smart strategy for withdrawals.
    5. It can optimize your financial efficiency and synergy by aligning your investment strategy with your financial plan.

A financial plan should cover the five elements of wealth:

    1. Managing debt and eventually becoming debt free
    2. Funding children’s and grandchildren’s education
    3. Retirement planning
    4. Philanthropy
    5. Estate planning

Preparing and regularly reviewing and updating financial plans, is an everyday part of what we do with our clients; it’s our life’s work and our clients’ financial foundation; it’s an integral part of both our service and our relationship with our clients. We want our clients to be absolutely certain that their financial affairs are well managed and on track.

We use simple, but informative and revealing, financial planning computer programs. Clients “get it” when they view their completed plan. Our many years of experience and our commitment to ongoing education keep us current and knowledgeable. We also believe in common sense; if it’s not simple and obvious it’s not useful, and may even be wrong. So, at the end of the planning process, it all stands up to the test of common sense and wisdom.

Of course, our clients’ input is what counts most. What are their wishes and needs? What are their personal circumstances and preferences? What is it our clients are looking for? What are their goals?

All we ask of clients is to help us with the input. We need their trust. We need them to comfortably share with us, knowing all client information is held in strict confidence and is respected as personal. The more a client shares with us, the more we can do a good job for them, and the more we can be sure the data we are working with is accurate. Clients’ enthusiasm and trust makes all the difference.

Usually there is no charge for this service. It’s freely provided to clients who invest with us so that we can properly manage their investments and do a complete and thorough job for them. We are Certified Financial Planner professionals, with four decades experience, and financial planning is one of the critical ways we make a positive impact in our clients’ lives.