Personal Financial Planning

At Personal Financial Planning Roanoke, Virginia, we believe that financial planning is not just about numbers and spreadsheets, but about helping our clients achieve their goals and aspirations. With over 30 years of experience, our team at Personal Financial Planning Roanoke, Virginia, has been dedicated to providing high-quality, personalized financial planning services to individuals and families in the Roanoke, Virginia area.

Our Services

At Personal Financial Planning Roanoke, Virginia, we offer a comprehensive range of financial services designed to help our clients achieve their financial goals. Our services include:

Cash Management

More than just keeping a balanced checkbook, cash management includes preparing (and following) a budget, using credit wisely, and keeping the income tax burden to the lowest level possible.

Risk Management

Risk of loss of life or property exists. Life insurance can be used to protect a family against the risk of premature death. Disability insurance can protect against the loss of a person's ability to earn a living. Property and casualty insurance can protect our worldly goods against accident and such perils as fire, flood, earthquake, and theft.

Accumulation

We all need to "save" money for some reason. Educating our children, travel, or building an investment portfolio. It's different for everyone, so we examine smart ways for you to build some savings.

Planning for Retirement

No matter where you are in life, it's never too early to start thinking about retirement. We can help you envision what kind of retirement you want and develop a strategy to get there.

Investing

Investing is a crucial part of your financial plan. We take the time to get to know you- what's important to you, what you're investing for, and how much investment risk are you comfortable with. We build a strategy that's tailored for you. Working together to grow your account and protect principal.

Goal Planning Sessions

You have other important goals besides retirement - travel, college, hobbies. Maybe it's your dream home. Our customized plans work towards the goals you have now and for the years to come.

Risk Management

We have many "what ifs" in our lives. "What if I become disabled"? "Is my family going to be ok if I passed away unexpectedly"? "What if I need extra care when I'm older"? Those are some of the questions we help you answer.

Client Education

While it's important to have a solid financial plan, it's just as important to understand how it works. We get you past the jargon so you can make informed decisions.

Life After Debt

If you find yourself in trouble financially, there are usually no easy answers - but there are many ways out for those willing to commit to changing their financial habits.

A Living Will

A living will makes your wishes clear and legally binding in the event of a devastating illness or injury.

A Will That Meets Your Needs

A will is a legal document that transfers what you own to your beneficiaries upon your death.

The Time Value of Money and Your Financial Objectives

A dollar received today is worth more than a dollar received a year from now.

An Introduction to Budgeting

Budgeting is the systematic allocation of one's income to a potentially unlimited number of needs and wants.

The Basics of Retirement Planning

When planning your retirement, it is important to remember that money will dictate most of your retirement decisions.