Financial Planning
built for you
The financial planning process is detailed and exhausting. Finances are often something people lack enjoyment for. Financial planning with Brighter Days Planning is different. We incorporate questions specifically choosen to help us detail the life you desire. Your finances are merely a tool to help us achieve that life you dreamt.
Dive into our planning process to see how we use your finances to design your brighter days.
The Bright Life Blueprint
Explore:
Understand our services & your needs
Dream:
How is your life different
Plan:
Create the plan to lead it all
Accountability:
Implement your Bright Life plan
Live:
Enjoy your dream
Now all thats left to do is live the bright life that you've dreamt and planned for.
Some
Services
Financial Planning
for Brighter Days
Financial planning is the cornerstone to our business and to your life. We get into detail about your current financial situation and your dreams. We then create a plan to ensure all of these dreams are met. Along the way we encounter many situations that block our path, most commonly these include large tax bills, variations in income, the inability to monitor investment performance, large amounts of debt, and lack of accountability.
Fear not as these are our specialty areas and they are all apart of the Brighter Days Planning experience.
Tax Planning
for Brighter Days
Taxes are the biggest expense that any business owner or individual will pay over their lifetime. With that in mind, proper tax planning is essential for everyone, but the ever changing landscape is difficult to follow!
At Brighter Days Planning we take the guess work out of taxes as we have the tools and knowledge to navigate the landscape for efficient planning. We wont only think taxes in April, because effective tax planning should be done year round. This is why we incorporate it into your Bright Life plan which is reviewed numerous times throughout the year.
Effective tax planning has a compounding effect on your Bright Life plan. Additional funds from tax savings can be used to plan an extra vacations, invest more for retirement, and much more.
Cash Flow Analysis
for Brighter Days
Cash flow analysis is one of the most important aspects of designing your Bright Life. If you enjoy coffee, but spend the majority of our money on fast food a thorough cash flow analysis can spot this. Understanding where your funds are being spent can lead to intentional spending in the aspects of your Bright life that you appreciate the most. Additionally we can plan for the most efficient way of paying down debt or contributing to retirement and savings accounts. Because we believe this is such a critical step to the plan we have provided a free Budget and Net worth tracker that can be downloaded on our home page.
Investment Planning
for Brighter Days
To often investing is made complex. While you can go take unnecessary risk we believe it is essential to understand your goals & risk tolerance & match that with your investments. This is why we include investing as part of our financial plan.
Our investment philosophy is grounded in simplicity, low cost, & tax-efficient investment strategies, namely ETFs. We also value asset location, your typical advisor will nearly demand your investments be in qualified retirement accounts. Brighter Days Planning understands that you may have short-term goals that require a 3, 5, or 7 year plan that needs a separate investment strategy.
Debt Management
for Brighter Days
Prior to creating your Bright Life plan you may have taken out a personal loan, built up credit card debt, or purchased a home amongst other things. While these debts may be necessary, we cannot determine if they're constructive or destructive to your brighter days. You're Bright Life may be freedom to travel, but by purchasing a home you restricted your ability to do so. This is why debt management is so crucial in your Bright Life plan. We will make recommendations when debt is necessary and create payoff strategies to get you to living your brighter days as quickly as possible.
Financial Coaching
for Brighter Days
Many people don't need a coach to stay on track, but great football pplayers still need a coach to improve their skills and make them aware of areas of weakness. The way we coach is essentially holding you accountable to your Bright Life. As you will see on our About us page, our Bright Life is seeing you live yours. This is why we will ensure you are staying accountable to the plan, or we will make approbate changes if necessary.
We want to help people like you
We want to learn more about you and are excited to tell you more of our story.