A plan for all of it—not just your investments.
Retirement isn’t just about how much you’ve saved. It’s about when you claim Social Security, how you draw from different accounts, what you’re doing about taxes, what happens to your assets if something happens to you, and dozens of other questions that are easy to put off and hard to answer alone.
Financial planning at Scarborough means working with our CERTIFIED FINANCIAL PLANNER™ and CHARTERED RETIREMENT PLANNING COUNSELOR™ professionals to build a complete, personalized roadmap for your financial life.
WHAT FINANCIAL PLANNING COVERS
Retirement income planning — how much you can spend, from which accounts, in what order
Investment planning — a portfolio aligned with your timeline and risk tolerance
Tax planning — strategies aiming to reduce your tax burden before and during retirement
Social Security analysis — modeling your claiming options to help maximize lifetime benefits
Pension analysis — lump sum vs. monthly payment, modeled for your specific situation
Estate planning best practices — helping to ensure your wishes are protected
Healthcare cost planning — Medicare, supplemental coverage, and long-term care insurance
Debt planning — addressing mortgages and loans as you approach retirement
FREQUENTLY ASKED QUESTIONS ABOUT FINANCIAL PLANNING
Financial planning is the roadmap — a comprehensive analysis of your entire financial picture and a strategy for getting where you want to go. Wealth management is the ongoing execution — actively managing your investments and updating your plan over time. Most Scarborough clients do both.
Not necessarily, but building a plan early in the relationship helps us understand your complete picture. We often incorporate financial planning as part of the onboarding process for new wealth management clients.
The initial plan typically takes 2–4 weeks from your first consultation to completion, depending on the complexity of your situation and how quickly we can gather information.
HOW TO MAXIMIZE A 401K
HOW TO BEGIN FINANCIAL PLANNING
10 WAYS YOUR SPENDING HABITS COULD BE JEOPARDIZING YOUR RETIREMENT
Get the complete picture.
Schedule a free consultation. We’ll talk through your situation and what a comprehensive plan might do for your peace of mind.
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