Schreiner Financial Solutions - Fee-Only Financial Advice for Middle Income Americans Located in La Mesa in San Diego County.

What is Included in SFS Full Retainer Financial Planning?

Financial Planning

Insurance Review

Your insurance needs are reviewed by an advisor, not a sales representative. We review your needs (property and casualty, disability, life, and others) and your current coverage and deductibles. We also examine policies before you purchase them.

Estate Planning & Documents

You will be taught about your options and how your assets can be passed onto your family members, partners, or charity. You will be assisted in creating an estate plan that you and your heirs can live with.

Spending Planning

We help you guide the flow of money through your life so you can live the life you want.

Goal Setting and Coaching

You will be led through exercises to help you clarify your financial expectations and set attainable goals for you and your family. Coaching is an interactive process through which the client can break through persistent, self-generating barriers to meet objective personal and professional goals.

Investment Counseling

Portfolio Analysis

Recommendations will be made to make sure your money is invested appropriately for your level of risk tolerance. Your funds will be invested in a way that is consistent with your goals.

Asset Allocation

We will show you exactly how to balance your investments to hedge against extreme economic cycles. We will show you how to appropriately diversify based on your investment horizon.

Retirement Planning

When do you wish to retire and how much will you need to do so? Your goals, present savings, and many other factors will be analyzed and a realistic projection will be developed.

Investment Account Setup with No-Load Implementation

We analyze no-load mutual funds and make specific recommendations. There will be no hidden sales charges in this service.

Tax Advice

Tax Planning & Preparation

We prepare your income tax returns and provide you with professional advice year-round to teach you how to reduce your taxes for greater tax savings.

Audit Shield

For our full retainer clients, in the event of an audit your audit will be handled for you at no additional charge. Should you wish, you do not even have to come to the IRS meeting!

Record Retention and Organization

Upon request, you will be taught how to save only the necessary paperwork and documentation to make tax preparation easier.

Special Needs Planning

In addition to the areas mentioned here, special needs such as education planning, budgeting, debt reduction, home purchase analysis, charitable giving, and qualified plan/IRA rollovers are addressed.

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