How to Create a Financial Plan. By Hans-Christian Winkler, CFP
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1 How to Create a Financial Plan By Hans-Christian Winkler, CFP
2 Who needs a Financial Plan?
3 Who needs What? In your 20s single: Investment/Retirement Planning, Disability Insurance In your 30s young family: Guardianship, College Planning, Life Insurance, Wills In your 40s possible Trusts In your 50s Trust, Wills, Gifting, Succession Planning, ILIT, LTC
4 Most people already have different components of a Financial Plan
5 A Financial Plan is a coordination of Investment/Retirement Planning Investment Accounts (Individual, Trust, IRA s, DB/DC plans) Insurance Planning Life, Disability, Medical, LTC Estate Planning Wills, Trusts, POA, Health Care Proxy
6 A CFP Professional is like the General Manager of a Team Insurance Agents Estate Attorney CFP CPA Other Professionals
7 Support Spouse, Children and extended Family Values Enjoy Life Live Frugally Protect and Maintain Assets for Yourself, Spouse and Children
8 Goals Protect and Maintain Assets for Yourself, Spouse and Children
9 Majority of Liquid Assets are tied to Stock Market Performance. Maintaining Portfolio Value to Support Lifestyle Concern No Control over Stock Market Performance
10 John: Born 1/1/1935, Retired Engineer. 2 Daughters from Previous Marriage Father Passed away at age 70 due to heart attack. Mother passed away at age 85 1 sister in Miami, born in 1940, 3 Nephews and 1 Niece Family Jane: Spouse, Married since 1995, 2 Sons from Previous Marriage Daughter: Mary, born Lawyer, Husband College Professor Daughter: Susan, Doctor. Husband Doctor. 2 Children
11 Investment Accounts Claraphi Advisory Network Merrill Lynch IRA: $750K Individual: $1.5 MM ROTH IRA: $300k, Two 529-Plans for Grand Children Home Home: Values $2.5MM, Mortgage $200k Bank Accounts Checking Account $50k Assets Insurance LTC Insurance, Purchased in 2005 with Yearly 5% Inflation Rider Life Insurance Disability Insurance No ILIT Car Insurance, Umbrella Insurance $2MM Medicare and Supplemental Insurance Home Owners Insurance Yes, but No Flood Insurance Real Assets Car, Art $200k Social Security Payments $45k a Year for Both John and Jane
12 Support Yourself, Children and extended Family John & Jane Client Values Goals Concern Family Enjoy Life Live Frugally Protect and Maintain Assets for Yourself, Spouse and Children Majority of Liquid Assets are tied to Stock Market Performance Maintaining Portfolio Value to Support Lifestyle No Control over Stock Market Performance John: Born 1/1/1935, Retired Engineer 2 Daughters from Previous Marriage Jane: Spouse, Married since 1995, 2 Sons from Previous Marriage Daughter: Mary, born 1970 Lawyer, Husband College Professor Investment Accounts Claraphi Advisory Network Merrill Lynch Father Passed away at age 70 due to heart attack. Mother passed away at age 85 1 sister in Miami, born in 1940, 3 Nephews and 1 Niece Daughter: Susan-Doctor / Husband-Doctor / 2 Children IRA: $750K ROTH IRA: $300k, Two 529- Plans for Grand Children Home Home: Values $2.5MM, Mortgage $200k Individual: $1.5 MM Assets Bank Accounts Insurance Checking Account $50k LTC Insurance, Purchased in 2005 with Yearly 5% Inflation Rider Life Insurance Disability Insurance No ILIT Car Insurance, Umbrella Insurance $2MM Medicare and Supplemental Insurance Home Owners Insurance Yes, but No Flood Insurance Real Assets Car, Art $200k Social Security Payments $45k a Year for Both John and Jane
13 Not Currently in Contact Estate Attorney LTC Insurance Agent John Hancock LTC Insurance Agent Geico Home Insurance Agent Advisors Geico Car/Umbrella Insurance Agent Merrill Lynch Raymond James Claraphi, Hans Winkler, CFP(R) Investment Accounts T.Rowe Price
14 Established in 2008 Will Revocable Living Trust at Merrill Lynch 2 Beneficiaries: Daughters Mary & Susan Trusts POA Estate Planning NO Healthcare Proxy NO Pre-Nuptial Agreement
15 John Boston University: BS, MS Engineering. Jane NYU: MA Psych. Education
16 Decision Maker: John and Jane. Any changes in the Investment Portfolio will only be done with both their authorization Monthly Performance Reports and at least Monthly Telephone Conversation Process As of 2/13 no one else will be included in the decision making process
17 Not Currently in Contact Estate Attorney LTC Insurance Agent John Hancock LTC Insurance Agent Geico Geico Home Insurance Agent Car/Umbrella Insurance Agent Advisors Claraphi, Hans Winkler, CFP(R) Merrill Lynch Raymond James Investment Accounts T.Rowe Price Established in 2008 Will Revocable Living Trust at Merrill Lynch Trusts 2 Beneficiaries: Daughters Mary & Susan POA NO Healthcare Proxy Estate Planning John & Jane Client NO Pre-Nuptial Agreement John Boston University: BS, MS Engineering. Jane NYU, MA Psychology Decision Maker: John. Any changes in the Investment Portfolio will only be done with John and Jane s authorization Monthly Performance Reports and at least Monthly Telephone Conversation Education Process As of 2/13 no one else will be included in the decision making process
18 Not Currently in Contact Estate Attorney Support Yourself, Children and extended Family John Hancock LTC Insurance Agent LTC Insurance Agent Values Enjoy Life Live Frugally Geico Geico Claraphi, Hans Winkler, CFP(R) Merrill Lynch Home Insurance Agent Car/Umbrella Insurance Agent Investment Accounts Advisors Goals Concern Protect and Maintain Assets for Yourself, Spouse and Children Majority of Liquid Assets are tied to Stock Market Performance Maintaining Portfolio Value to Support Lifestyle No Control over Stock Market Performance Father Passed away at age 70 due to heart attack. Mother passed away at age 85 Raymond James John: Born 1/1/1935, Retired Engineer. 2 Daughters from Previous Marriage T.Rowe Price Established in 2008 Will Family Jane: Spouse, Married since 1995, 2 Sons from Previous Marriage 1 sister in Miami, born in 1940, 3 Nephews and 1 Niece Revocable Living Trust at Merrill Lynch 2 Beneficiaries: Daughters Mary & Susan Trusts POA Estate Planning John & Jane Client Daughter: Mary, born Lawyer, Husband College Professor Claraphi Advisory Network Daughter: Susan, Doctor. Husband Doctor. 2 Children IRA: $750K NO NO Healthcare Proxy Pre-Nuptial Agreement Investment Accounts Merrill Lynch ROTH IRA: $300k, Two 529- Plans for Grand Children Individual: $1.5 MM John Boston University: BS, MS Engineering. Jane NYU: MA Psychology. Decision Maker: John and Jane. Any changes in the Investment Portfolio will only be done with both their authorization Monthly Performance Reports and at least Monthly Telephone Conversation. Education Process Assets Home Home: Values $2.5MM, Mortgage $200k Checking Account $50k Bank Accounts LTC Insurance, Purchased in 2005 with Yearly 5% Inflation Rider Life Insurance Insurance Disability Insurance No ILIT As of 2/13 no one else will be included I the decision making process Car Insurance, Umbrella Insurance $2MM Medicare and Supplemental Insurance Sports Team: Boston Red Sox Labrador Dog Interests Home Owners Insurance Yes, but No Flood Insurance Real Assets Car, Art $200k Stamp Collection. Will be given to Grand Children Social Security Payments $45k a Year for Both John and Jane
19 Work with Professionals about the deficiencies Disability Insurance is missing Update Wills, implement QTIP Trust, Health Care Proxy Do retirement calculation; Do Budgeting / savings
20 What to expect from each Professional?
21 A: Insurance Agents Recommend most appropriate, most effective, & not most expensive insurance policies An insurance policy that reflects your overall profile and needs.
22 B: Estate Attorney To leave as little as possible in Probate Gifting strategies, Succession Planning (intrafamily transfers), charitable giving Set up of Trusts (revocable, irrevocable trusts, ILITS, living trusts, special needs, guardianship) Writing / updating Wills Power or Attorney, Healthcare Proxies
23 C: CPA Calculate and hopefully lower your taxes
24 D: CFP Professional Overseeing and coordinating the whole financial planning process Always putting the clients needs first Unbiased Advice Yearly reviews of any changes
25 Budgeting One month micro budgeting: Account for every dollar! One Year macro budgeting: All fixed costs: (mortgage/rent, insurance, food, clothes. All variable costs: (vacation, entertainment, shopping.
26 The Process 1 Establish and define the relationship with the client Gathering client data including goals Processing, analyzing and evaluating the client s financial status Developing and presenting financial planning recommendations and/or alternatives Implementing the financial planning recommendations Monitoring the financial planning recommendations
27 Thank you! Hans-Christian Winkler, CFP
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