Fee Only Certified Financial Planning

We specialize in providing hourly, as-needed financial planning and advice to individuals and families, regardless of their net worth, income or investable assets.

We work with people from all walks of life, providing Fee-Only financial planning and advice for everyday life. Clients have the flexibility to engage us on a one-time, as-needed or ongoing basis. We use the latest financial planning technology to help clients reduce anxiety and take control of their finances.

Remember, you don’t have to have a fortune to start building one. Today is always the best time to get started. Whether you are building assets for the future — or seeking to protect, enjoy and pass on those you already have — Serenity Financial Consulting can help you along the way.

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Financial Planning Topics of Conversation

We often get asked what financial planning topics we are available to discuss. While this is certainly not a complete list, the following will give you an idea of some of the topics of conversation that we regularly discuss.

Income Planning


  • Do you make enough money to support your goals?
  • Do you fall short each month or come out ahead?


Expense Management


  • Do you have enough money in an Emergency Fund?
  • Will you have to support your parents as they age?
  • Are you spending too much or can you increase your standard of living?


Tax Planning


  • Are there tax advantages you are failing to take advantage of?
  • Should you be using flexible spending or health savings accounts?


Insurance


  • Is your current insurance coverage still adequate?
  • How much protection do you need?
  • Should you have disability insurance?
  • Do you need an umbrella policy?


Investments


  • How do you decide where to allocate investment money each month?
  • How are your investments performing?
  • What is your investment strategy given your goals?


Education Planning


  • When should you start saving for college?
  • Which education options are the best for your situation?


Retirement


  • How much money do you need when you retire?
  • What does retirement look like to you?
  • Are you saving enough to meet your retirement goals?


Career


  • Should you be investing in your career or for retirement?
  • Are you happy in your current job?


Estate Planning


  • Do you need a will or a trust, or both?
  • How much life insurance do you need?
  • Do you have Powers of Attorney?


Employee Benefits


  • What benefits make sense to use?
  • For the self-employed and stay-at-home parents, what are your options?


Debt Management


  • How do you prioritize your debt payments on your credit cards?
  • Are your student loans at the best rate?


Housing


  • Should you rent or own?
  • Is it time to refinance?
  • How much can you afford to spend?
  • Does it make financial sense to remodel?


Fun Forecasting


  • What are you doing to enjoy your life?
  • How much will you need for the next big vacation?