Ignite

• Milestone-Oriented Financial Projections – With decades of financial, lifestyle, and health-related decisions ahead of you, it is nearly impossible to know exactly where you’re going to end up. What you are focused on will invariably shift as you go through different stages of life. Since your future is not written in stone, your financial planning needs to be flexible to help you navigate all the wild twists and turns that life throws at you.

Flexible planning for life’s evolving goals and priorities.

• Integrated Smart Planning – Proactive tax planning helps reduce wealth lost to income taxes over your lifetime. Many people think tax planning is about reducing taxes when you file your next annual tax return. However, not all tax deductions are created equal. Many simply defer taxes to a future date. Smart Planning helps clients make more informed decisions by identifying the long-term tradeoffs of today’s tax-related choices. Rather than creating tax minefields that sabotage your financial future, Smart Planning clarifies the intent behind specific tax strategies and whether they are right for you.

Reduce lifetime taxes with smarter, forward-looking decisions.

• Proactive Investment Guidance – Your investments need to work for you. Like any good boss, you should set clear and realistic standards and expectations for the job. Stop allowing your investments to dictate your life. Instead, seek guidance coordinated to enhance your overall financial goals. Whether you need investment advice, investment management, or a combination of both, we believe that a well-designed investment plan should be driven by your overall financial plan.
• For more information on S.E.E.D. Planning Group’s investment division, Sift, please visit siftinvesting.com

Invest with purpose, aligned to your financial life plan.

• Risk Assessments – What happens if you are disabled before you reach your goals? What if there is a premature death? What if you lose your job? Ignite helps build strategies to address these issues and more.

Prepare for life’s surprises with smart risk strategies.

• Estate Planning – Estate Planning includes developing and implementing a practical, effective and customized plan for you and/or your family and coordinating with a qualified attorney to help ensure your legal documents are properly executed.  

Create a practical legacy plan that fits your life.

• Personalized What-If and Strategy Sessions – Life doesn’t have a playbook. Your story is likely different from anyone else’s. What-if and strategy sessions help you weigh the potential ramifications of decisions before you take your next leap forward. What if you change careers? What if you sell your home and move across the country? What if you have to financially support an aging family member? What if your company goes public and you become a gazillionaire? What if you turn down a promotion, quit your job, and become an entrepreneur? Ignite helps you understand the potential lifetime impact of your decisions and guides you on what to consider before making your next move.

Explore life changes before making big financial moves.

• Stress-Testing – The most common type of financial projection is a linear projection, which is a straightforward forecasting model where future values are expected to be on a consistent and straight-line trend. For example, market returns will be 8% per year. But what happens if returns are above or below their expected results? What happens if the average changes or there is a series of really bad years? Stress-Testing allows us to examine a projection along with corresponding what-if scenarios, establishing a more realistic range of possibilities that illustrate the likelihood of a financial decision resulting in positive or negative outcomes. As the old proverb says, “hope for the best and plan for the worst.”  

Plan for volatility, not just best-case scenarios.