Our Services
Focused on You
At Equilibrium Financial Planning, everything starts with you. We believe financial advice should be clear and accessible, not buried in technical language or overwhelming charts. That’s why we take the time to understand your unique goals and craft a plan that truly fits your life.
As a fee-only fiduciary, we’re free from commissions, product quotas, and corporate agendas, so you can feel confident that our advice is always in your best interest. And we’re not just here for today; we’re in it for the long haul, helping you adapt and thrive as your needs evolve.
Our Services
Equilibrium Financial Planning delivers comprehensive, impartial advice for every facet of your financial life , from retirement, tax strategies, insurance, to cash flow management, custom tailored to help you achieve your goals.
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Retirement Goal Setting
Social Security Analysis
Cash Flow Analysis
IRA Contributions
Roth Conversions
Review of Employer-Sponsored Plans
Annuities and Pensions
RMDs and Withdrawal Strategies
Self Employed Plans
Projections and Stress Tests of your Strategy
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Portfolio Rebalancing
Asset Allocation & Location
Risk Tolerance, Risk Capacity, and Time Horizon Assessment
Withdrawal Strategies
Account Aggregation
Monitoring of Outside Accounts (401k, etc)
Review Concentrated Positions
UGMA/UTMA
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Review of Income Sources
Setting Goals, Expenses, and Budgeting
Debt Management
Review of One-Time Expenses
Planned Large Expenses
Emergency Funding
Mortgage Review
Lines of Credit
College Planning (529s, etc)
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Tax Conscious Investing
Review of Cost-Basis
Review Realized Gains
Tax Loss Harvesting
Deductions & Credits
Potential Roth Conversions
HSAs & FSAs
Tax Return Review
Tax Projections
Federal & State WIthholdings
Meeting Tax Professionals At Your Side
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Wills
Power of Attorney
Living Will
Health Care Proxy
Trusts
Irrevocable Life Insurance Trusts
Estate Taxes
Individual & Charitable Giving
Meeting Estate Attorneys At Your Side
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Review of Existing Policies
Life Insurance Needs Analysis
Long Term Care Analysis
Disability Insurance Analysis
Health Insurance Review
Homeowner’s or Renter’s Insurance Review
Liability Coverage
Health Savings Accounts
Medicare Advice
Auto Insurance Review
Meeting Insurance Brokers At Your Side
How It Works
Start With a Personalized, Free Assessment
Our initial assessment process is absolutely free with no commitment required.
Step 1: Getting To Know You
60 MINUTE IN PERSON OR VIRTUAL
To learn about you and your financial situation, share more about our firm, and answer your questions. We’ll dive deeper into your goals, values, and current financial picture.
Step 2: Personalized One Page Plan
60 MINUTE - IN PERSON OR VIRTUAL
You’ll receive a personalized one-page financial snapshot, outlining key opportunities to improve your retirement plan, lower taxes, and optimize your investments.
Moving Forward After Your Personalized One Page Plan
We seamlessly transition into building your full financial roadmap. No surprises, no pressure, just a natural next step toward clarity and confidence. From getting your financial details organized to exploring your goals in depth, we take care of the heavy lifting so you can focus on what matters most.
Getting Organized
IN PERSON OR VIRTUAL
We facilitate integration of verified data and documents with our software to gain a comprehensive picture of your entire financial position allowing us to recommend highly personalized and specific actions.
Goal Exploration
IN PERSON OR VIRTUAL
Based upon the data and the goals discussed earlier, we analyze which goals are attainable, define steps needed to reach those goals, and generate a financial plan highlighting our findings.
Plan Presentation
IN PERSON OR VIRTUAL
We present your comprehensive financial plan and begin implementation.
Ongoing Services
Financial planning isn’t a one-and-done conversation. At EFP, we stay actively involved in your financial life through consistent, thoughtful support.
Each month, you’ll receive a personalized Financial Wellness Audit- a check-in providing cash flow analysis, investment activity, upcoming deadlines, and changes in tax law or the financial industry that may affect you. Think of it as a quick pulse check to keep your plan on track.
In addition to these monthly touch points, we schedule two in-depth meetings each year. Beyond these two anchor points, we meet as often (or as little) as you’d like. Some clients enjoy regular check-ins and love “talking shop” while others prefer to touch base only when necessary. We are here to support you at the pace that feels right for your life.
Let’s build your financial future together.
The first step in the process is absolutely free with no commitment required.