Momentum Planning is designed for individuals and families in their 30's and 40's who have built a strong financial foundation but want to ensure they’re making the right moves for long-term success.
Define and refine your financial milestones, whether it’s buying a home, funding travel, or starting a business.
Review your portfolio, asset allocation, and investment strategy to align with your long-term goals.
Evaluate your income, expenses, savings rate, and emergency fund to optimize financial stability.
Develop a strategy to efficiently manage and pay down debt.
Identify potential tax-saving opportunities and strategies to enhance efficiency.
Ensure you have a solid plan for funding your children’s education, if applicable.
Review your insurance coverage (home, auto, umbrella, life, disability, and long-term care) to ensure adequate protection.
Confirm that your estate plan is up to date and aligns with your wishes.
Momentum Planning is designed for individuals and families in their 30s and 40s who have built a solid financial foundation but want to ensure they are making the right decisions for long-term success. If you’re wondering if you’re saving enough, investing wisely, or missing tax-saving opportunities, this service is for you.
This is a one-time financial review with no ongoing commitment. You’ll receive a comprehensive assessment and an action plan, so you can confidently take your next financial steps. If you later decide you’d like ongoing support, we can discuss additional planning options.
The entire process typically takes 2-12 weeks from the initial consultation to the final action plan delivery. This ensures we have ample time to analyze your finances, provide customized recommendations, and answer any questions you have.
To get the most value out of Momentum Planning, you’ll need to provide some basic financial details, such as your income, savings, investments, debt, and financial goals. Don’t worry—we’ll send you a simple checklist to make it easy!
You’ll walk away with a clear, customized action plan outlining specific next steps to optimize your financial future. Whether it’s adjusting your savings strategy, fine-tuning your investments, or implementing tax-efficient moves, you’ll have a roadmap to follow. If you have follow-up questions, we offer a complimentary check-in within 60 days to help with implementation.
The biggest financial advantage you’ll ever have is time—but only if you use it wisely. Momentum Planning helps you take control today so you can build the future you actually want, not the one you settle for. Start now, because the best time to plan for financial freedom was yesterday. The second-best time? Right now.
Choosing the right Social Security strategy is critical. You likely have many questions as it relates to when you will claim, or even what benefits are available to you. We assist our clients in understanding the impact of the options they have available and help them make the right choice for their unique situations.
Sending your kids or loved ones to college is a big decision. Thankfully, there are many strategies that can be utilized depending on your unique situation. At Ignite Financial, we aid in establishing and implementing a suitable plan of action for you and your teenager.
If you hold investments, they will be taxed in various ways. We help optimize investment and withdrawal strategies to minimize the taxes you will pay throughout your pre-retirement and retirement years. You will be kept up-to-date on new tax policies and how they may, or may not, impact your tax situation.
If you have money in any of the following account types listed here, please reach out as we may be able to help you pay less in taxes.
Everyone has their own unique goals when it comes to investing. We are here to help you achieve those goals in the most stress-free environment possible. Here is a brief overview of our proven investment strategy:
There is a single factor that has been shown to be correlated with higher returns—low fees. A study conducted by Morningstar® concluded that the expense ratio, or annual cost, of a fund is the only dependable predictor of future performance.1
By dividing your investments across different asset classes (e.g. bonds, U.S. stocks, international stocks) rather than putting all your eggs in one basket, you can reduce risk by letting one part of your portfolio cushion the blow if another part goes down.
Markets consistently fluctuate as speculation and basic human psychology influence investor behavior. Despite this volatility, the overall market has produced a 10.2% gross average return in the last 89 years.
The primary goal of insurance is to mitigate risk and put some of your worries at ease. At Ignite Financial, we help determine which insurance policy best suits your unique situation. Moreover, we help determine if you are carrying a policy that you actually don’t need — this is where a lot money can be saved.
If you have an existing policy or policies, we take a look at all the relevant details. We make sure that the amount of coverage you have is appropriate, that you are maintaining the correct deductible, and more.
But many times you may be overinsured and not know it. For example, if you have a healthy emergency fund, you probably don’t need a $500 deductible on your auto policy. This means you are wasting valuable money on a product which could be better utilized elsewhere; such as investment products that earn interest.
Preparing your estate to transfer to your heirs can be cumbersome. That’s why we help you to determine how your assets will transfer in the most tax efficient way possible. That means we look at your entire portfolio, including investments, real estate, business interests, and more.
