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Certified Financial Planner in Broomfield, Colorado
OUR
SERVICES

Our mission at Wolff Financial Advisors is to help our clients develop a comprehensive investment plans to meet their financial goals. We can help you answer some important financial questions like, "How much will I need when I retire?" "What is the best way to save for my child's education?" We can develop a plan for all our clients' objectives by tailoring investment plans suitable for their goals.

Wolff Financial Advisors can help you in all aspects of financial planning and we will work with you and your family to reach those important financial goals.

If you are looking for an independent review of your portfolio we offer a thorough analysis of all six areas of financial planning including: Investments, Retirement planning, Insurance, Estate planning, Budgeting and Tax planning in one comprehensive report. Our base fee for this service is between $2,000 to $3,000 depending on the complexity of your portfolio. After this, we offer two levels of subsequent services as follows.

TWO LEVELS OF SERVICE
Comprehensive Advisory Services Periodic and Continuous Consultation

An advisory relationship focused on wealth management services including implementation of portfolio asset allocation decisions, and quarterly portfolio performance reports, and also suggestions and advice throughout the year on financial planning strategies.

We charge an annual fee, which is determined by assets under management, or a flat fee agreed upon in advance.
Fees are paid on a quarterly or semi-annual basis.

1) Recommendations in all areas of financial planning
2) Consultation on specific investments suggestions
3) Complete documentation on planning meeting points
4) Refer you to advisors that are specialists in their fields
5) Complimentary advisor quarterly newsletter
6) Access to institutional mutual funds
7) Portfolios individually tailored
8) Constant supervision of investments
9) Comprehensive quarterly investment performance reports
10) Complete quarterly overview of financial position
11) Summary of annual tax data available for tax professional
12) Direct involvement in the implementation of planning recommendations
13) Direct involvement in working with your other advisor specialists

Certified Financial Planner in Broomfield, Colorado

Semiannual/Annual comprehensive financial consultations geared to the client who wants a consistent, professional, and objective review of their entire financial situation but who does not require help with the implementation of planning recommendations or a lot contact with their advisor between planning sessions.

The current fee for such services is $300.00 an hour. Subsequent consulting fees depend on planning issues and the length of consultation. Consulting fees are paid by personal check upon receipt of the invoice after consulting services have been rendered.

1) Recommendations in all areas of financial planning
2) Consultation on specific investments suggestions
3) Complete documentation on plan meeting points
4) Refer you to advisors that are specialists in their fields
5) Complimentary advisor quarterly newsletter

Certified Financial Planner in Broomfield, Colorado

DETAILS ON THE SERVICES WE OFFER

We offer a variety of services in each area of financial planning; our services are available to you as suited to your personal financial situation and determined by what level of consultation you choose.

If you prefer us to just write a comprehensive financial plan we offer that service for a flat fee starting at $2,000.00* This is a one time fee that will assist you in setting up and transferring accounts. Gives detailed recommendations on assets allocations based on your individual investment parameters. This is a great way to get started for individuals and small businesses that just want a comprehensive financial plan with minimal professional assistance upon implementation. . 

+ TAX SERVICE PLANNING
Certified Financial Planner in Broomfield, Colorado
  • Refer you to an accountant if you need one, or work with your accountant if you already have one.
  • Review your tax return for the past three years to gauge if there are any items that need our attention based on your financial situation
  • Provide you with the cost basis data for portfolios that we manage for you
  • Notify you of any material changes in the tax code that will affect your financial planning
  • Assist you with various tax questions:

1) How to organize your financial information
2) What expenses are tax deductible or allow for a tax credit
3) When to consult an accountant or attorney for specific situations
4) How long to save financial papers

Tax planning will help alleviate unforeseen tax headaches for the future and make sure you pay the correct amount in taxes.
 
+ INSURANCE PLANNING
Certified Financial Planner in Broomfield, Colorado
  • Recommend an insurance agent to you or consult with your agent if you currently have one
  • Identify potential shortfalls in your insurance coverage and recommend specific solutions
  • Explain your employee life insurance benefits and medical coverage and propose the necessary supplementations.
  • Verify that you have the right coverage that meets your needs without costing you too much.
  • Update your current policies as life's changes dictate
  • Notify you of any material changes in the insurance industry and how to adapt to them
  • How to deal with medical needs such as long term care, and home nursing, and assisted living issues.
  • Plan for what to do when insurance coverage stops and when you are eligible for Medicare and identify any gaps in your coverage.
Appropriate insurance coverage will better protect you against unforeseen life events that adversely affect your finances
 
+ INVESTMENT PLANNING
Certified Financial Planner in Broomfield, Colorado
  • Assess your current portfolio making sure that it is efficient and matches your personal risk/reward tolerance.
  • Recommend the appropriate asset allocation for your portfolio to meet your retirement goals.
  • Implement specific investment recommendations as well as monitor any changes
  • Provide access to investments not normally offered to retail investment accounts
  • Monitor and rebalance the portfolio on a regular basis
  • Report portfolio performance each quarter and provide cost basis information on investments
  • Suggest specific investment ideas designed to reduce your tax liability.
  • Show how to convert investment wealth such as stock, real estate, and hard assets into retirement income.
Investments that are well planned will make you confident that personal wealth will grow in a manner that is suitable for you
 
+ CASH FLOW PLANNING
Certified Financial Planner in Broomfield, Colorado
  • The degree to which you are living within or beyond your means, making a budget if necessary.
  • Expenditures versus savings required to meet your retirement needs
  • How your current standard of living compares with what you might expect in retirement and how inflation plays a part.
  • How to convert investment wealth such as stock, real estate, and hard assets into retirement income.

Cash flow planning will make daily financial management easier and financial goals more attainable.
 
+ WEALTH PLANNING
Certified Financial Planner in Broomfield, Colorado
  • Help you decide whether, when, and how to talk with family members about financial issues.
  • Provide financial education for your adult children.
  • Be a resource to you for financial questions that arise in your extended family.
  • Assist in answering questions about certain extemporaneous family circumstances that affect your finances.

When wealth planning issues are well addressed, family relations are enhanced without adverse tax or legal consequences.
 
+ ESTATE PLANNING
Certified Financial Planner in Broomfield, Colorado
  • Recommend an attorney if you need one, or work with your attorney if you currently have one.
  • Create some ideas that suite your personal situation involving estate planning.
  • Identify potential estate planning issues and recommend specific solutions
  • Notify you of any changes in estate laws and how they affect your current situation
  • Assist you with updating registrations and titles and beneficiary designations as your circumstances change

Estate planning is essential for both your medical and financial affairs to be honored in the event of incapacity or death and with estate planning documents well planned; it is more likely that your wishes will be respected.
HOW DO WE GET PAID?

All of our work is based on fees only. "Fee-only" means our only compensation comes directly from our clients; we collect no commissions, no sales loads, and derive no other third-party source compensation. We are Fee-Only Fiduciaries that disclose any potential conflict of interest that commission-based compensation can create, making us distinct from advisors describing themselves as "Fee-Based" which means fees + commissions (which often means "fees for the plan and AUM plus additonal commissions for subsequent trades and or services."). The key to a healthy relationship with our clients is in our ability to give objective advice. We are distinct in that we neither pay nor receive referral fees.

As Fiduciary Advisers we are aligned with the client in serving their best interests. You can be more confident and feel more comfortable when you have an advisor to turn to whenever any issue develops that even slightly affects your personal finances.

Certified Financial Planner in Broomfield, Colorado

       
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Registered Investment Advisor (RIA) with the State of Colorado, DORA

Certified Financial Planner in Broomfield, Colorado