financial planning by the hour
If you have any questions not answered below, please call or email.
Phone: (760) 651-6315
Email: contactus@andrewmarshallfinancial.com
Are you a CFP®?
Yes.
Are you a fiduciary?
Yes. 100% of the time.
How are you compensated?
Only by our fees. No commissions. No kickbacks.
Who are your typical new clients?
Most are approaching retirement and have been self-managing their investments. They want to know when they can safely retire, how much they can afford to spend each year in retirement, how to optimize their investments, and how to tax-efficiently withdraw from their accounts including doing Roth conversions. They also want someone to check for things they don’t know about retirement planning.
How can you help with my investments?
I can review your entire portfolio as a whole, regardless of where your accounts are held, and make specific recommendations for each account.
Do you work with people outside the Carlsbad area?
Yes. We can work virtually or over the phone. I do not work with clients living in Texas, Louisiana, Nebraska, or New Hampshire due to regulatory constraints.
What is the Process?
1
30-minute Free Meeting
2
Receive Quote
3
Sign Contract and Pay $360 Deposit
4
Send Me Information
5
Interim Meeting to Discuss Options and Decisions
6
Receive Report Written by Andrew
7
Meeting to Discuss Report and Answer Questions
8
Free Follow-up Questions for 30 Days
Timing of Future Updates is Your Choice. No ongoing fees or subscriptions.
Typical Project Topic Areas:
1
Use financial planning software to project possible retirement timeline and maximum safe spending level in retirement.
2
Review and reallocate all investment accounts into a coordinated, diversified portfolio with an appropriate risk level while taking fees, tax consequences, future withdrawals, and ease of self-management into consideration.
3
Determine best vehicle(s) for savings / investing going forward.
4
Determine the most tax-efficient withdrawal strategy including account order and optimal Roth conversion level and timing.
5
Incorporate optimal Social Security claiming strategy into withdrawal plan.
6
Compare buying long term care insurance versus self-funding future LTC needs.
7
Investigate strategies to maximize after-tax inheritance to children.