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Comprehensive Financial Planning

What is Comprehensive Financial Planning?

At SNOW FINANCIAL GROUP, LLC, comprehensive financial planning stretches far beyond investments and money management. In our comprehensive wealth management model, we are able to explore numerous aspects of every client's financial needs, from accumulating wealth and retirement to personal estate and business planning. We assess tax implications and assess risk for decisions so that opportunities as well as implications are understood and carefully managed. Each item in the diagram below represents examples of areas we consider in our comprehensive wealth management model, given the ever-changing market and laws that govern these elements. At Snow Financial Group, LLC, we help you to manage the details of these opportunities so that you can stay busy doing the things in life you enjoy most.

Our Financial Planning Process

SNOW FINANCIAL GROUP, LLC  follows a thorough and reliable planning process to deliver comprehensive, prudent, and personalized planning services. While managing downturns and unforeseen events along the way, Snow Financial Group's command of comprehensive financial planning allows clients to take full advantage of products aimed to preserve and propel wealth, with the goal of helping clients to move ever closer to their financial dreams. Advanced strategies used by Snow Financial Group, LLC throughout this process, including Monte Carlo Simulation, portfolio stress testing, and lifetime income forecasting, link clients to sound, sophisticated financial tools designed to strengthen their portfolios, while managing risk. 

Our specialized financial planning process helps to ensure that you are fully aware of the numerous opportunities available to you and within your reach in the financial market.Understanding that every financial situation is unique, Snow Financial Group, LLC begins the process with listening to the goals and needs of each client. Once this crucial step is complete, a customized financial plan is developed, implemented, monitored, and revised as opportunities arise and needs change.


Gather all relevant information

This step involves an in-depth evaluation of every client’s current financial condition and future potential while striving to uncover unknown financial opportunities and roadblocks.

Define objective & subjective goals

Successful goals are Specific, Measurable, Attainable, Realistic, and Tangible. The purpose of this step is to ensure that all financial goals are SMART goals.

Design & draft a formal written financial & estate plan

Written documents help to establish firmly the client's future direction and serve as guides for monitoring the opportunities for changes and adjustments along the way.

Implement strategies

Implementation involves working with CPA's and estate attorneys to ensure legal, tax, risk, and product/service continuity.

Monitor plans

Managed plans are then monitored through benchmarking progress, while identifying areas of success and opportunities for improvement and growth.

Revise goals & plans as needed

Plans and goals are revised through analyzing the impact of changes in legislation, tax law, products, services, and client needs.

How Much Do You Know About Investing?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investment IQ."

*Using Asset Allocation as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions. Diversification is a method used to help manage investment risk.

**Kestra Investment Services, LLC and its affiliates do not provide tax or legal advice. Any decisions whether or not to implement these ideas should be made by the client in consultation with professional financial, tax, and legal counsel.

***Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as fraudulent transfer. Proper structuring of these assets is imperative. Please seek proper legal and tax advice prior to engaging in the retitling or structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

This material is intended to provide accurate and current general information. It is not intended as advice. You should contact a professional advisor for assistance regarding your personal situation.

Revised disclosure for video as of 04/01/2016: Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Snow Financial Group, Inc. is not affiliated with Kestra IS or Kestra AS.

Additional Kestra Investor Disclosures