NextGen Wealth's Financial Planning Values

That a financial plan should always serve as the foundation from where all other financial decisions are made. No successful business was ever created without first having a plan in place, so why would your financial life be any different? It shouldn’t.

If you don’t have a plan then how do you know where you’re going or when you’ve arrived? If you don’t have a plan, then how do you know how much you should be saving right now? If you don’t have a plan, then how do you know if you have enough to live off of in retirement? If you don’t have a plan, then how do you know the best investments for you?

Let’s face it, sitting down and spending hours creating your own financial plan doesn’t sound like a lot of fun. You have plenty of other things in your life that you’d rather be doing.

Sure, some folks can do it, but most don’t have the time or simply want to spend their time doing things they enjoy. That’s exactly why we created our Getting Started Process™ followed by our COLLAB Financial Planning Process™, after becoming a client.

We do all the heavy lifting while all you need to do is simply provide us a little information so we can determine the goals you're wanting to accomplish. Most importantly though, we help to implement the plan and serve as your accountability partner every step of the way.

That only your own goals should determine how you invest – not the media, not your neighbor and, worst of all, not what the stock market is doing. If your goals haven’t changed, then there truly is no reason to make a change to your investments.

Investing on your own can be tough. Heck, even when you’re working with a financial advisor it can be a struggle. It’s emotional and when the stock market begins to test your patience, your emotions can start to drive your investment decisions.

Our investment philosophy isn’t fancy, it isn’t timing the market, and it won’t get you rich quickly. However, it’s tried and true. We believe you can’t time the market, but more importantly, that you don’t even need to. You just have to be invested properly and let your goals guide you the rest of the way.

That your interests should always come first – not ours, not a bank, not an insurance company, not a mutual fund company, not anyone but yours. Your best interests should be the driving force behind all decisions that are made.

We also believe in minimizing conflicts of interest and being completely transparent. If a decision regarding your financial plan could benefit us financially (a conflict of interest), we’re completely open and make sure you know about it. Many firms will dance around conflicts of interest or bury them in a mountain of disclosure paperwork riddled with legalese. Sometimes conflicts of interest are inevitable – they’re just there.

What’s most important is you know what they are so you can determine if it still makes sense for you.

Everyone, including us, makes mistakes sometimes. It’s just an inevitable part of life.

We know that you’re not going to follow your financial plan exactly. We know you’re going to slip up, make a wrong decision, or simply not accomplish something in the timeframe set forth.

That’s part of life and we should all accept it. What’s important is what you do after those mistakes. Do you just give up and let the entire plan go to waste or do you accept your mistake knowing it’s part of being human?

You know the right answer. We know it will happen at some point, but we will be there to pick you up, dust you off, and get you back on track.

In you. Whether retirement is right around the corner or a few years down the road, we believe you can do it.

There’s no doubt you’ll see obstacles and heartaches and your financial plan will be everchanging. However, we know having us as a partner on your journey will provide you with the peace of mind to achieve your goals.

We believe in your retirement dreams and so should you.