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Category Archive

Below you'll find a list of all posts that have been categorized as “Personal Finance”

Large and In Charge

Laurie Dubchansky January 30, 2020 Personal Finance

We know when we are in a relationship where one …

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NY Water

Money Conversations on a NYC Monday Morning

Laurie Dubchansky March 28, 2019 Personal Finance

On a recent trip to New York City, on a …

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What is the Real ID and Do I Need One?

Laurie Dubchansky January 3, 2019 Personal Finance

This holiday season, our relatives from Northern California visited their …

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Real ID
group of school kids raising hands in classroom

WANTED: Stability

Laurie Dubchansky October 26, 2018 Personal Finance

This blog is about a current social problem: school-aged children …

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childrenhomelessstabilityvolunteer
Broken tap water

Retirement leakage could be the worst kind of leak…

Laurie Dubchansky September 16, 2018 Personal Finance

One of my passions is retirement savings. From my very …

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401(k)pre-reitrementretirementretirement savingstax shelter annuity

Good Planning Leads to Personal Peace

Laurie Dubchansky May 17, 2018 Personal Finance

This weekend I had the pleasure of attending our son’s …

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IRArelaxedretirementtravel
Card Case Wallet

Card Case or Wallet…

Laurie Dubchansky February 12, 2018 Personal Finance

Every Saturday, I enjoy reading the Wall Street Journal.  A …

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budgetcard casecashfinancewallet
Winter Polar Bear

In Search of Winter

Laurie Dubchansky November 28, 2017 Personal Finance

Through my involvement with the UC Irvine Merage School of …

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Canadafinancial literacytravelUC Irvine
house sold

Having It All: A Good Education and a Home

Laurie Dubchansky August 30, 2017 Personal Finance

As a Certified Financial Planner™ professional, I help my clients …

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debtFannie MaeFHFAhome buyerhouseloan
Grandma Baking

Can’t stop the planning!

Laurie Dubchansky August 3, 2017 Personal Finance

I have a passion for planning.  I think I have …

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familyhealthmilestonesparentsplanningsecruity
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Recent Posts

  • Large and In Charge
  • Money Conversations on a NYC Monday Morning
  • What is the Real ID and Do I Need One?
  • WANTED: Stability
  • Retirement leakage could be the worst kind of leak…
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Comprehensive 

Comprehensive Financial Planning consists of an upfront charge of $750 and an ongoing fee that is paid monthly, in advance, at the rate of $150 to $250 per month, depending upon the complexity of your plan. 

Before we get started, we offer a 90-minute complementary meeting.  

Throughout the first year, we will cover all aspects of planning:
  • Establishing healthy cash flows
  • Debt retirement 
  • Insurance planning
  • Retirement planning
  • Taxation review and planning
  • Estate planning - will help you prepare for an eventual meeting with an estate planning attorney or provide you with resources to create a will and other important estate document and if needed,Education savings planning
  • Student loan analysis
  • Buy/Sell decision analysis​

We work with you throughout the year to make sure all aspects of your plan are implemented.  We also reassess your plan annually, or more frequently if needed, to make sure you are on the right track.
 
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Starting Out
If you are just starting your career, we will help you monitor your cash flows to cover your needs and save for goals, establish and maintain good credit, set short and long-term career goals, and have important estate documents.

Settling Down
Plan for education, consider life insurance, start planning and save for retirement, consider buying a home, and save for vacations.

Entering Midlife
If you are in mid-career, perhaps you have started to think about saving for retirement.  We will work with you to develop beneficial tax strategies, plan for college costs, and prepare for any unforeseen circumstances.

Near Retirement
If you are considering retirement, we do a thorough retirement income analysis to make sure you are adequately prepared for a change in your work life status!  If not, we will guide you to fortify your retirement!  We also help you develop your estate plan.  We evaluate your insurance policies and your health care needs.   

Enjoying Retirement
In retirement, we look every two years at your retirement plan; just to make sure you are on track with your current spending.   We may also help you evaluate any philanthropic opportunities and monitor your estate plan, just to make sure it is up to date.  We will also review your insurance needs to make sure you minimize any risk of liability.
 
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Quick Start 

Ideal for those that need a quick review and a list of things to-do for implementation. Cost is $750

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Classes
We offer three classes for groups of friends, family or colleagues:
  • Financial Planning Basics (75 minutes including time for questions) includes the basics of financial literacy and best practices.  Cost $20 per person.
  • Introduction to Retirement Savings (2 hours) covers the need for retirement savings and various ways to save for retirement.  Cost $50 per person.
  • Understanding your Form 1040 (90 minutes) – the Form 1040 compiles all your tax information. This class helps you to understand every line of this two page document.  Understanding the documentation of your tax data is important prior to signing the Form 1040.  Cost $50 per person.

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Investment Management

First, through our financial planning process, we will learn your priorities and goals and we will discuss your knowledge and attitude toward investing.  Next, we use a comprehensive risk analysis tool to find a level of volatility (movement in the financial markets) that is comfortable for you.  After assessing your appetite for risk and now knowing your goals, we create an investment plan for you.  With your approval of the investment plan, we manage your assets at Charles Schwab & Co.

The fees for investment management are based on the value of your assets under management.  We charge an annual flat fee of 50 bps (half of one percent).  For example, if your quarterly average balance is $100,000, your investment management fee would be $500 per year.  Fees are paid quarterly and are subtracted from your account.  These fees are in addition to our fees for financial planning.
 
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Financial Planning - Fixed Fee

Comprehensive financial planning covers all aspects of your financial life: goal setting, cash flows, debt reduction, investments, tax planning, retirement planning, and insurance and estate review. We consult on your financial decision making. Includes quarterly meetings either inperson or online.
 
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Financial Planning - Hourly Services

Hourly planning is provided to those who have short-term projects, questions or concerns. Cost is $225 per hour.

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Schedule a 15-minute introductory phone call
Schedule 15-Minute Call