Financial Planning FAQ
Financial planning and wealth management can involve complicated decisions. Below are answers to some of the questions clients ask most often about investing, retirement, taxes, estate planning, trusts, and working with a financial advisor.
If you don't see your question below, contact SeaCrest Wealth Management and we can help you determine where to start.
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Comprehensive financial planning looks at your financial life as a whole rather than treating each decision separately.
Depending on your circumstances, your plan may address:
- Investments
- Retirement
- Retirement income
- Taxes
- Social Security
- Insurance and risk
- Estate planning
- Trusts
- Charitable giving
- Education funding
- Cash flow
- Business interests
- Wealth transfer
The goal is to understand how one financial decision may affect another.
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A comprehensive financial plan should be personalized to your goals and circumstances.
It may include your assets and liabilities, income and expenses, investment strategy, retirement goals, tax considerations, insurance and risk management, estate planning, and wealth-transfer objectives.
Your financial plan should also change as your life changes.
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At least annually, and whenever there is a significant change in your financial life.
Examples include:
- Retirement
- Marriage or divorce
- Birth or adoption of a child
- Death of a spouse or family member
- Inheritance
- Sale of a business
- Career change
- Significant change in income
- Large investment gain or loss
- Major purchase or sale
- Change in estate-planning goals
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