{"id":5521,"date":"2021-03-24T18:23:23","date_gmt":"2021-03-24T18:23:23","guid":{"rendered":"https:\/\/www.townsendwm.com\/?page_id=5521"},"modified":"2022-07-07T16:25:52","modified_gmt":"2022-07-07T16:25:52","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/www.townsendwm.com\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5521\" class=\"elementor elementor-5521\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90805b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90805b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b40a00\" data-id=\"7b40a00\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4752ff8 elementor-widget elementor-widget-heading\" data-id=\"4752ff8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A comprehensive financial plan is a road map for your financial future.\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8890af8 elementor-widget elementor-widget-text-editor\" data-id=\"8890af8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It stands to reason that people with a financial plan are more confident and more successful with their financial decisions, including when and how to retire. We work hard to help you quantify your lifetime financial goals, evaluate the resources available to you, and analyze how best to position these resources to provide for your goals. We periodically monitor the financial plan with you to ensure you stay on track. As life events occur, we help to update the financial plan so that you can remain on course.<\/p><p>A sound financial plan helps answer questions such as:<\/p><p>\u00b7 What are our important financial goals, near-term and long-term?<\/p><p>\u00b7 Are we saving enough for a comfortable retirement?<\/p><p>\u00b7 Can we retire early? Do we need to work longer than expected?<\/p><p>\u00b7 What is my risk tolerance and how should I invest my retirement savings?<\/p><p>\u00b7 What options do we have to minimize taxes while benefitting loved ones and charities?<\/p><p>\u00b7 What is the best way to save for college expenses?<\/p><p>\u00b7 Should I plan to take my social security retirement benefit early or delay for a larger payment?<\/p><p>\u00b7 What are my insurance needs and how will they change over time? Do I have the right amount of life insurance? Should my automobile and homeowner\u2019s policy be supplemented with umbrella liability insurance? Should I consider long-term care insurance, and if so at what age should I purchase it?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98dade3 elementor-widget elementor-widget-heading\" data-id=\"98dade3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Financial Planning works with Townsend Wealth Management<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f635ae6 elementor-widget elementor-widget-text-editor\" data-id=\"f635ae6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>During the financial planning process, questions that will affect your financial future are addressed and recommendations are prepared. These recommendations are woven together with detailed annual projections of income, expenses, and net worth to form the foundation of the financial plan. We will test alternate scenarios and &#8220;what-if&#8221; questions that are important to you. Using statistical analysis, the plan will be stress-tested against different economic and market conditions to include a reasonable safety margin for your success.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47f8760 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-5505 elementor-widget-divider\" data-id=\"47f8760\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-80dbb4b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80dbb4b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9e9f965\" data-id=\"9e9f965\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d7335d elementor-widget elementor-widget-heading\" data-id=\"6d7335d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Compensation <b>for Financial Planning Services<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8f64da elementor-widget elementor-widget-text-editor\" data-id=\"c8f64da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We quote a flat-fee price in advance of our financial planning services and do not receive any outside compensation based on the advice we provide. Because we are an independent, fee-only firm, we can focus on the advice that is in your best interests.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A comprehensive financial plan is a road map for your financial future. It stands to reason that people with a financial plan are more confident and more successful with their financial decisions, including when and how to retire. We work hard to help you quantify your lifetime financial goals, evaluate the resources available to you,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":4842,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Planning - Townsend Wealth Management Columbus, GA<\/title>\n<meta name=\"description\" content=\"Our vision was to create a wealth management firm that would provide excellent, independent financial planning for Columbus, GA. 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