Financial Planning provides a foundation for you to identify and achieve your financial goals.  By implementing a written financial plan, individuals and small businesses “create a map” to grow and protect future wealth. Using our Financial Planning Workbook, clients are able to gain an understanding of their current financial situation and clearly identify their goals. This process will help determine the level of financial planning needed to create an effective plan.

If you know your goals are fully funded and you have accumulated wealth, you may not need a comprehensive written plan. You may require asset management, or the full-service of wealth management – both of which are advanced stages of financial planning.

At Aventine, we provide comprehensive financial planning by using a two step process to initiate and implement your financial plan. The Initialization phase will help you analyze your current situation and define your financial goals. The Implementation phase incorporates specific strategies and recommendation to achieve and maintain your financial success.

Initialization – Phase One

Set Financial Goals
Your goals must be realistic and specific to your financial situation.  Achieving a goal sets a new standard to heighten your expectations and keep you on track with your plan. Your goals might include:

Gather Information
To set realistic goals you need to know exactly where you are currently.  Gathering your data is critical to the analysis process. Our Financial Planning Workbook will help you clarify your current financial situation and outline goals. Your data might include:

Analyze Data
Once the data is pulled together, our firm will analyze it to determine the most appropriate way to organize your information to accurately reflect your financial situation.  Analyzing the data means having a full understanding of your current situation, opportunities and employer benefits to ensure that you are utilizing all available resources.

Implementation – Phase Two

Propose Strategies
Financial strategies entail a series of recommendations based on your current financial situation and identified goals.  Multiple strategies may work in unison to help increase the probability of achieving your financial goals while managing investment risk.

Implement Recommendations
To achieve your financial goals you must take action.  Implementing recommendations may include rebalancing your 401(k) or employer’s retirement plan (within the plan parameters), a systematic savings program, specific investment advice, tax strategies, and estate strategies.  It will take time to implement your plan, so it is important to understand that you are building a future and each step moves you toward your goals.

Monitor Progress
Monitoring the progress of your plan is critical to achieving your overall financial goals.  Market performance, family growth and career changes are just a few of the variables that could affect the success of your plan. We meet with our clients quarterly to review strategies and investment performance, and we recommend that our clients work with us to update their financial plan annually, ensuring they are on track to achieve success.

While Aventine Investment Services focuses on Comprehensive Financial Planning, we also offer single case analysis in Retirement Planning, Debt Elimination, College Funding and Savings Goals.

Aventine Investment Services is a Registered Investment Advisory firm.  We do not offer proprietary products, and our written financial strategies are self-contained plans. Our clients may implement their financial strategies directly with Aventine Investment Services or implement their strategies within an existing relationship.  Clients that choose to implement their financial strategies with Aventine will have access to investments through Charles Schwab Institutional, one of the leading names in the financial services industry.