How can we
Retirement Planning
Whether retirement is right around the corner or a few decades away, we construct a customized retirement plan based on our collective best-estimates of spending, saving, medical expenses, major purchases, and other variables to answer the fundamental question, "does this work?". We then regularly refine and update the variables to make it a living, breathing plan rather than something that sits on your shelf.
Cash Management
Based on your income sources, your cash flow needs, and the savings you need to achieve your goals, we develop a customized one-page cash management plan and then handle the implementation. For mid-career professionals with irregular cash flows in and out, we develop a multi-year cash flow plan and a withdrawal policy statement to keep the plan moving in the right direction.
Estate Planning
It's more than just making sure the key documents are signed and in good order. It's about ensuring that assets go to the intended people or charities, that there are not big gaps in the planning which may cause problems in the future, that there's an appropriate amount of control, and that assets are transferred in the most tax-efficient way.
Insurance Planning
First things first - we don't sell any insurance. We advise you on all the major categories: life, disability, home, auto, health, and long-term care. We assess what you need or don't need, how much you need, what terms or deductibles, educate you on all these variables, and advise on how to get the insurance you need.
Personalized Investment Management
We manage your investments in-house according to your unique needs, risk-profile, and preferences. Our evidence based investing approach applies a systematic discipline to remove emotion and filter out the never-ending avalanche of forecasts, opinions, and noise. While overwhelmingly simple and unexciting, it is a discipline that exploits investment diversification, employs low cost, passive investments, in a tax-efficient manner, and seeks to capture historically reliable long-term risk premiums.
When you buy a product or a service, you want to know what you’re getting and what it costs. We value transparency and simplicity which is why our fees are right here. And they’re intentionally simple with no hidden costs.
Golden Bell Financial Planning is a Fee-Only advisor. You don’t have to deal with the hidden costs that are so frequently part of financial advisor relationships.
There is one fee and it covers everything we do. No à la carte pricing. No separate fees for building a financial plan, for tax planning, or for ongoing financial planning. No long-term contracts. No mutual funds loads. No surrender penalties. No side businesses. No comped trips from fund companies that result in conflicts of interest. No compensation of any kind from third parties. Hopefully, you get the point.