A process and plan of action that helps you work toward where you aspire to be

Financial planning

Genuine financial planning is not a science; rather it is a fluid activity and lifelong process that constantly changes as your life changes.

That's right - genuine financial planning. We know the concept of financial planning is ambiguous for many people, and in some ways it is. After all, how do you take all the moving parts of your financial life and turn it into something understandable and meaningful?

We invite you to give us an opportunity to show you.

​We believe  genuine financial planning involves so much more than collecting information about your finances and handing you a boilerplate document that's ultimately going to sit on a shelf collecting dust (that you'll probably never read anyway)!

We believe genuine financial planning is an ongoing process that combines advice with technology - Advice that's authentic and from an advisor who truly cares about you, and  technology that provides the tools to help you see the 30,000 ft. view of your finances so you can make more informed, strategic financial decisions. More importantly, that process needs to be able to adapt to your changing financial needs and life circumstances through the caring guidance of your financial planner.

Schedule a Financial Planning consultation today...

Learn more and schedule a no-cost or obligation meeting.

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A financial action plan may involve:

  • Determining which investments should be made
  • Reducing income tax liability
  • Saving in purposeful, tax-advantaged retirement accounts
  • Strategically planning for retirement income (which accounts do I tap from first?)
  • Saving for children or grandchildren's future education
  • Planning for the purchase of real estate
  • Creating a spending plan to plan your cash flow
  • Planning for life insurance and other types of insurance
  • Creating an estate plan involving trusts, wills, and powers of attorney to facilitate legacy planning
Finance dashboard

"A successful financial life doesn't happen by chance, it happens by choice."

Featured articles and resources

Keeping Your Balance: Lowering Volatility and Managing Risk

Determining the right investment plan for you usually comes at the end of your financial planning process. After an extensive review of your current situation, assets, debt, income, and future goals, the final step is to select the correct mix of investments. This is your asset allocation...
B&H Team
October 22, 2022

Is It Time to Hire a Financial Advisor? How Do You Even Do That?

Is it time to hire a financial advisor? How do you even do that? For most people, there's usually a point where their financial life becomes complicated enough that they realize it's time to hire a professional. This could be at any stage of life; it’s more about the individual situation and how an advisor can help.
BH Team
September 19, 2022

Financial Fitness: Mid-Year 2022 Check-In

Summer will officially be here soon, but before kids get out of school and all the vacation planning you did begins to come to fruition, it can be a good idea to take stock of your financial picture and make updates where necessary. Below are a few things you should consider to keep your plan in shape. We've organized them by life stage, from having small kids to being closer to retirement. We've also included charitable giving, as that happens at every stage.
Michael Howell
July 12, 2022

Serving Clients in Modesto, CA and the Central Valley

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