Broker Check

Our Financial Planning Process

At Ridgeline Financial Partners, we view financial planning as a comprehensive process intended to serve the needs of each individual client. We understand that our clients are often separated by different goals, ideals, and intentions.  We believe our focus on customization allows us the objectivity needed to provide recommendations that are supported by a full analysis of one's financial situation, current and desired. 

We have structured our financial planning process around the Six Areas of Financial Planning: 

1. Identification of current financial situation

  • Cash flow/budgeting
  • Debt management/emergency reserves planning
  • Financial ratios

2. Risk management and insurance/protection planning

  • Life insurance
  • Disability insurance
  • Long-term-care insurance
  • Employee benefits

3. Investment planning

  • Portfolio management
  • Personalized investment  programs
  • Fee-based investment
  • Platforms utilizing institutional-level management
  • Evaluating risk tolerance and time horizon

4. Tax strategies

  • Implementation and development of company-sponsored retirement plans
  • Personalization of plan(s)
  • Traditional IRA, Roth IRA, Rollover IRA
  • 529 college savings plans
  • Employee stock option planning and analysis

5. Retirement planning

  • Distribution planning
  • Identification of income needs
  • Pension decision planning

6. Estate planning

  • Wealth transfer
  • Business succession
  • Charitable planning
  • Coordination of insurance policies and estate planning documents 

Kestra Investment Services, LLC and Kestra Advisory Services, LLC do not provide legal or tax advice