Financial Planning

Fee-Only Financial Advisors

Customized Fee-Only Financial Planning

Gain insight and get support managing your assets with our team at Costello Financial Planning. With a fee-only approach, you are the only person paying us, so we make financial decisions based on your best interest and not the ones that pay commissions or give us kickbacks.

Grow your assets and watch your ROIs thrive with professional and expert financial planning services from Costello Financial Planning.

Solidify Your Finances With Fee-Only Financial Planning Solutions

Personalize

Personalize your financial goals

Action

Take action

Commit

Commit to a financial plan

Improve

Improve financial outcomes

Create Your Financial Plan With Costello Financial Planning

Financial planning is more than just saving your money for a rainy day — it’s cultivating clarity and establishing a plan of action for your financial future, and, arguably, it’s the most important component that aids in your long-term financial success.

When you understand your financial needs, you can create a financial plan that caters to them. Without knowing or understanding your finances, strengthening your financial security is a difficult feat to achieve.

Costello Financial Planning can help you create goals and implement tactics to heighten your financial situation, whatever that may be.

Personalize Your Financial Goals

Financial goals are an important aspect of financial planning because they give you something to work towards and focus on. Personal finances are one of the most intimate part of our lives because it’s money that helps us get the things we cherish most — whether it’s through experiences such as traveling the world or being able to support and secure your children’s financial future — these are the things we hold close.

Creating financial goals can better outline where you want to go now and in the future.

Take Action

Because money is so personal, it can be difficult taking action on our own — we don’t know if it’s the right decision or not, which can paralyze us. The experts at Costello Financial Planning can help you take the initial step and take action in your finances. We help you develop your financial goals, create the “why” behind them, and guide you towards accomplishing financial security.

Commit To A Financial Plan

Costello Financial Planning can help you foster and stick to a financial plan. Committing to a financial plan is an integral part because you have established what you want to work towards financially, which often lowers stress and brings peace of mind.

Improve Financial Outcomes

Over time, a financial plan can greatly improve financial outcomes, leaving you better prepared for any financial emergencies and allowing you to live the life you want. The beginning of financial planning has the future in sight!

 

FINANCIAL PLANNING TAILORED TO YOUR NEEDS

Everyone likes to be rewarded for being in the market. Unfortunately, most investors do not understand the types of risks they are taking. Not having a clear understanding of your risks leads to mismanagement of your expectations and sometimes assets. When your expectations are not met, your emotions and biases take over, which leads to poor investment decisions. Therefore, we have to look at portfolio construction through a different lens. We must understand what risk means to you, before making investment decisions. This is one of the important roles that an experienced financial planner plays for you.

Fee-Only Investment Advisors

After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.

If you are in the Bend, Oregon, Ann Arbor, or Chicago areas, contact Costello Financial Planning to get started on a sound, comprehensive strategy to financial planning. As your investment advisors, we will guide you through evidence-based research, ensuring that you make decisions based on logic and knowledge, not fleeting emotions. Get in touch with us today!

1. FINANCIAL PLANNING

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Financial Planning done right allows us to align your goals with your finances. The core of your finances is understanding your Personal Balance Sheet and Cash Flow Statement. We will guide you to make sense of the numbers and to see what direction you are headed. Our comprehensive process bridges the gap between where you are today and where you want to be.

2. INVESTMENT EVALUATION & SCENARIO PLANNING

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Stress tests illustrate how your proposed portfolio would have fared through various market events, including the financial crisis and recovery. We can visualize the risk and reward profile for each individual investment we propose for your portfolio. Illustrating risk, reward and diversified risk give us a powerful tool to review before we make any final investment decisions.

3. TAX OPTIMIZATION

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Optimizing your tax liability maximizes your ability to put more money in your pocket. Whether you are accumulating assets or are already in retirement, it is important to plan accordingly.

4. WEALTH TRANSFER

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Generally speaking, there are usually three places where you can transfer your wealth: Family, Taxes, and Charity. Based on where you want your want to transfer your wealth, we put a plan together and help you implement it.

5. UPDATE & MONITOR

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We offer quarterly meetings to our clients and are always available to answer any questions that pop up. We have found that about every two years, life events happen, and plans need to be tweaked and adjusted as we get closer to our goals.

Your Financial Future Begins With Costello Financial Planning

Costello Financial Planning provides comprehensive and customized financial planning services with a fee-only approach. Create a financial plan that you feel great about now and in the future!

With more than a decade of experience, client-centered financial planning is our top priority — we want to see you thrive! Work with us and develop a financial strategy that can help you preserve and grow wealth.