Conceptual Financial Advisors, LLC

OnTrack at Conceptual Financial Advisors is a comprehensive review. It provides a snapshot of your financial life and its primary components. We look at your financial plan in detail. It can also help identify areas of concern or answer specific questions. Any analysis that may be included in OnTrack can be completed individually. Of course, you can choose the analysis. Our most popular service, the multi-step OnTrack, reviews all aspects of your financial life. One of the biggest steps towards a secure financial future is saving for retirement, and the OnTrack analysis goes beyond this. Cash flow is the first focus of the analysis, as it creates a "current" or baseline scenario. With you, we will discuss your long, short and medium-term goals. You may want to change your work schedule to be more flexible. We will also discuss your beliefs and values about spending, saving, investments, and debt. Your current portfolio will go through a comprehensive review and analysis. Together, we will create a plan to achieve your goals. A "Monte Carlo simulation" will give us a quantifiable measure of the chance of achieving your goals. Additionally, we will assess your methods for receiving Social Security benefits and Pension payouts and discuss how you can create a retirement income stream. We will look into the possibility of Roth IRA Conversions or accelerated distributions. Long-term mortality probabilities will also be analyzed. We will have a conversation about gifting and charitable intentions. After reviewing your set up, we will discuss your insurance policies and suggest any modifications.