Services

Personal financial planning 

Did you receive an inheritance and are unsure how to invest it?  Are you saving for a first-time home purchase?  Are you unsure how to allocate your money into different investment buckets?  Let us help you create a plan and diversify your investment portfolio.   Are you looking to leave a legacy for future generations?  Do you have investments in various and complimentary tax strategies?  Let Rise Up Planning create a customized and tailored plan just for you and your family.      

Retirement planning for individuals and businesses 

Have you started saving for retirement?  Are you nearing retirement and starting to get nervous?  Or are you just unsure if you’ve done enough for the lifestyle you want in retirement?  Is your portfolio properly invested and allocated?  Should you choose Roth or pre-tax in your 401k?  Should you include alternative investments such as real estate investment trusts?  Would you like to invite Rise Up Planning and a CERTIFIED FINANCIAL PLANNER with 29 years of experience to your business for one-on-one consultations with your employees so that they feel valued by you caring about their retirement success?  Are you happy with your current 401k service and investment lineup?  Have you done your due diligence and compared other 401k plans recently satisfying the Department of Labor?       

401k/Simple IRA/SEP IRA 

Are you a business owner with an already established 401k or Simple IRA or SEP IRA?  Which one is best for you and your business?  Which one allows you to contribute the most towards your own retirement?  Are you educating your employees?  What can you do to retain and reward employees?  Would you like to pick up the phone and call your trusted financial advisor directly rather than calling an 800# and having to start over every time with a new representative?  We value personal relationships.  Let Rise Up Planning do an annual education on site or virtual so that your employees are set up for retirement success.  Let Rise Up Planning help you decide which is best for you and your business.   

Solo 401k’s and Individual 401’s for solo business owners and their spouses 

Do you own a business as a sole proprietor or with your spouse with no employees? Do you want to maximize funding towards your retirement? Consider a Solo 401k. It allows more contribution than a SEP IRA or a Simple IRA and allows for Roth contributions. Often times I hear that CPA’s are not familiar with this strategy and therefore their clients miss out on large contribution amounts and greater compounding opportunities over time. Let us work with your CPA to make sure you are maximizing your contributions and saving on taxes.

Roth IRA’s 

Do you want to save for retirement and not have to pay taxes on the growth down the road?  Consider a Roth IRA if your income allows for it.  Let us help you decide.   

Traditional IRA’s 

Do you want to save for retirement and need a tax deduction now?  Let us help you decide if a Traditional IRA is right for you. 

Stocks/bonds/ETF’s/mutual funds 

Are you hearing about the excitement of investing in the stock market but don’t know where to start? Are you looking for a trusted financial advisor to lead you and give you guidance on how to do it successfully?

Are you looking to retire before age 59 ½ but feel you have all your money tied up in accounts that charge you penalty if you touch it pre 59 ½? Starting to plan early is key because too often we put all our savings into retirement accounts such as a 401k or IRA or Roth IRA and are penalized if you withdraw early with a 10% IRS penalty. Let’s put you in control of your assets and build a non retirement account as well, also known as a taxable account. You can touch this bucket of money at any time without penalty. It’s important to have different buckets of money, some taxable, some tax later and some tax never. I personally like the tax never bucket, don’t you?

We truly believe that it all starts with a plan. This is the foundation for financial success. At Rise Up Planning, we help you determine your goals. In our initial meeting, whether it’s in person or virtually, we ask you questions to get a clear understanding of your current financial situation and establish your goals. From there, we ask that you upload your financial documents including any investment statements, your most recent tax return, estate planning documents such as a Trust or wills, and insurance documents to our secure client portal. This will give us a better picture of where you are today. We analyze those documents to develop a financial plan with you. Our desire is to maximize your money and save on taxes over your lifetime. At our next meeting, the tailored financial plan is shared with you with specific steps for you to take. We meet again in 6 or 12 months to check in on your progress and performance to make sure that you are on track and make any adjustments at that time and then thereafter annually or semiannually depending on your needs. Of course, we are here for you in between those meetings as well via phone call or video call. Rise Up Planning is different than other firms that are focused on transactions. We are focused on you, your success, and the relationship that we build with you. We do not take lightly that you chose to work with us, your trusted financial advisor. Often times, we will communicate with your tax preparer or CPA, your estate attorney for full collaboration. Contact us today so we can get started on improving your financial future! This can potentially change your life and your future generations! Imagine having a financial advisor on your side who cares about you and your family. You deserve to give yourself and your future generations a bright financial future.