A Cohesive Approach to Financial Wellness
We take a holistic outlook to financial planning, respecting how each component impacts others. For this reason, we generally do not segment our services or provide stand-alone investment management. We dedicate ourselves heavily to the process and ask that our clients do the same. We take the long view in everything we do, with a belief that the very best investments take time.
Foundations to financial planning
Cash Flow
- Net Worth Evaluation
- Debt Assessment and Payoff Strategies
- Credit Review
Goal Setting
- Establishing Priorities
- Short-Term Cash Needs
- Long-Term Goal Planning
- Education Funding
Investment
- Risk Assessment
- Position Review
- Asset Allocation Proposal
- Account Consolidation
Retirement
- Employer Benefits Review
- Needs Analysis
- Income Projections
- Optimizing Account Funding
- Social Security Analysis
Insurance
- Risk Assessment
- Life and Disability Insurance
- Property and Casualty Insurance (Home, Auto, Liability, Renters)
- Health Insurance and Medicare
- Long-Term Care
Estate Planning
- Document Review
- Asset Ownership Analysis
- Beneficiary Designation Review
*We will work with your legal professional to coordinate your estate plan.
Income Tax
*We will work to maximize your tax efficiency and coordinate with your CPA.
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Ongoing Advice
*Partnered to address problems/events/opportunities that come up throughout our engagement.
- Strategic Planning
- Investment Positioning Analysis
- Tax-Loss Harvesting
- Federal and State Return Evaluation
- Withholding and Estimated Tax Review
*We will work with your insurance providers to coordinate your coverage.
- Family Structure Changes
- Buying and Selling a Home
- Elder Planning Considerations
Please Note Limitations: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Fee-Only Financial Planning, LC ("FOFP") does not serve as an attorney, accountant, or insurance agent. FOFP does not prepare legal documents or tax returns, nor does it sell insurance products.
Our Approach
We are not here for you to delegate your process. We will work closely with you, far beyond traditional areas of focus, to help you define your journey.
Things change. When challenges arise, we will be here to help you cohesively navigate the important financial decisions you face.
Collaboration
Continuity
We are your steadfast advocate, operating exclusively with a fee-only service model, beholden only to you. We do not sell insurance or products of any kind, and do not receive commissions.
Commitment
Thirty-Five Great Ideas: Timeless Advice for Financial Success
Our book Thirty-Five Great Ideas: Timeless Advice for Financial Success is available to order on Amazon in paperback, Kindle e-book or Audible audiobook.
A collection of articles written over the course of thirty-five years, these ageless concepts will empower you to elevate your knowledge of the principles necessary to master financial freedom. Author and firm founder, Andrew Hudick, has provided financial counsel to thousands of families and small businesses since founding Fee-Only Financial Planning, L.C. in 1981 in the foothills of the Blue Ridge Mountains. A prolific contributor to many regional publications, his timeless, common-sense articles form the basis for this book, published in 2016 to commemorate his thirty-five years in practice.
by fofp, lc founding member, Andrew Hudick
Looking for a Place to Start?
Whether you’re ready to begin a personal engagement with our firm or simply looking to better understand our financial philosophy, our book is the perfect supplement to your financial journey.
Affiliations
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