Data Gathering

The first step is assessing where our clients stand financially and how they feel about risk. Completing our comprehensive questionnaire provides us with an inventory of assets, liabilities, and time horizons for major financial goals.  We take a look at your current estate plan and advise if that should be revisited.  Through our risk management analysis, we can help determine if you are adequately insured.

Budget Planning

Our cost of living analysis will provide a detailed picture of your current lifestyle costs and what that will look like in the future. We’ll present this not just in today’s dollars, but also show you how those costs can be impacted over a range of likely inflation rates between now and retirement.

Social Security & Pension Options

We help clients determine when to start drawing and how to best coordinate their Social Security and pension benefits. As these choices have lifelong implications, it’s important to us to help you navigate the options and choose the best fit for you.

Incorporating Statistics

Most financial projections are based on historical averages over time. While history provides a good point of reference, markets change drastically from one year to the next. Planning for multiple possible outcomes is vital. Therefore, Alder Financial incorporates statistical analysis into our financial plans to assess and identify market uncertainty.