Financial Solutions

I approach each client’s unique situation with the utmost care and precision. This way we can ensure the decisions we make are aligned with your exact circumstances and goals. 

I focus on portfolios that help maintain conviction when markets get rough, and courage to temper ourselves when markets seem too good to be true. I also focus on the Environmental, Social, and Governance (ESG) impacts of our portfolios. In the 21st century, maintaining a clean business is good business.

Investment management services include:

  • Current Asset Allocation
  • Downside Risk Tolerance
  • Required & Likely Rate of Return
  • Tax Impacts of Investment Selection
  • Environmental Impact of Investments
  • Long Term Performance Review
  • Capital Market Assumptions
  • Impact of Current Events

Financial planning explores income, savings, and spending in both the short and long term. People need to earn enough today to cover current expenses as well as save enough to cover future expenses. We’ll make projections on investment growth, pension and social security decisions, and retirement cost, as well to determine if we are doing everything we can to help reach your ultimate retirement goals.

Financial planning services include:

  • Understand Retirement Goals
  • Review Income Producing Resources
  • Pension and Social Security Analysis
  • Long Term Tax Considerations
  • College Savings & Planning
  • Cash Flow & Budgeting
  • Current Savings Rate
  • Zero Debt Strategies

I am an Enrolled Agent (EA) with the IRS. I prepare tax returns for a local CPA during the tax season to keep current with the latest strategies and opportunities. I am always happy to speak with you and your CPA to make sure we’re all on the same page.

Tax planning services include:

  • Tax Loss Harvesting Strategies
  • Annual Tax Projections
  • After-tax 401K Maximization Strategies
  • Roth for High Income Earners
  • Inherited IRA Stretch Strategies
  • Qualified Charitable Distribution Strategies
  • Highly Appreciated Asset Positions Strategies
  • Required Minimum Distribution Strategies

Wills, Trusts, Powers of Attorney, Provisioning for Digital Assets, Beneficiary IRA Stretch Options… And the fun goes on. But in all seriousness, being prepared for the worst allows us to organize our lives and bring perspective to what’s most important.

Estate planning services include:

  • Asset Inventory
  • Beneficiary Review
  • Plan for Digital Assets
  • Purpose of Wills & Trusts
  • Power of Attorney
  • Trusted Contacts

McCurdy Financial Solutions and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.

Social Security and Medicare make up a large portion of many people’s retirement. Understanding and selecting the right options are critical for success. Because these decisions are difficult to change, we’ll want to model different options to make sure we get the right balance for your needs.

Social Security and healthcare/insurance planning services include:

  • Medicare Coverage
  • Life Insurance Review
  • Disability Insurance Review
  • Social Security Strategies
  • Home & Automobile Coverage Review
  • Health Insurance Review
  • Long Term Care Analysis

Real Estate is a large part of our clients’ financial lives. Topics include buying a first home, down-sizing for a final home, when to sell (or purchase) a rental, when to refinance, or how to use the equity in an existing house. I have owned rental properties for 15 years, and even obtained my real estate license to learn as much as possible about this exciting field (license is currently inactive). I am a big proponent of actual real estate as part of our wealth.

Real estate analysis services include:

  • Down Payment
  • Rental Property
  • Reverse Mortgage
  • Downsizing & Rightsizing
  • Refinancing & Home Equity
  • Mortgage Payoff

Pricing Options

As part of my commitment to transparency, I publicize my rates so that you can know exactly what you will be paying for with your hard-earned money. You do not have to worry about unexpected costs or hidden fees.

Hourly
Consultation

  • 2-hour minimum
  • Best for a specific set of financial questions or a one-time project.

Investment
Management

  • $100,000 household minimum
  • MOST POPULAR OPTION
  • 1.25% fee over $100,000
    1.00% fee over $500,000
    0.75% fee over $1,000,000
  • Investment Portfolio management fees cover all services with no additional cost.

Quarterly
Retainer

  • Financial advice as needed
  • Best when finances are below minimum investment or are managed elsewhere.

Financial Planning Process

Adhering to well-defined processes creates efficiencies and reduces errors. That’s good for any business. Planning is also important to create realistic expectations for clients. Markets will fluctuate, but reporting on the portfolio, review of your risk tolerance, and how it fits together should be predictable. ​Please take a look at our 7-step approach to financial planning below.

STEP 1: Discuss & Assess

Step 1: Discuss & Assess

The financial planning process starts with a good understanding of where you are today. We’ll work together to create an inventory of your assets, including pensions and Social Security. We’ll take a look at how much your are able to save. Understanding where you are today will help determine if there are short term or long term needs for change.

STEP 2: Set Goals

Step 2: Set Goals

At this point, we’ll take a look at what you are trying to accomplish. The process is geared towards a successful retirement. But other goals, such as college funding, estate planning, or saving on taxes are discussed as well. This is where we determine what is most important to you and what you are trying to accomplish.

STEP 3: Analyze

Step 3: Analyze

This is behind the scenes work with various software tools. The Monte Carlo simulator will run 1,000 market scenarios on retirement outcomes. The investment risk software will show likely volatility and returns with the investments. We will project and optimize for Social Security, Medicare, and others items specific to you. I’ll also use this time to research any topics that require investigation

STEP 4: Find Best Options

Step 4: Develop Recommendations

This is more behind the scenes work. The results from the analysis will reveal the best options for your situation and what you’re hoping to achieve. We’ll package these results into an easy to understand financial plan with easy to understand tasks.

STEP 5: Present & Review Options

Step 5: Present & Review Options

In this meeting, I’ll present the plan back to you. We’ll go over all the findings from the analysis. We’ll go through all the tasks that need to be done. If there are tasks for you to do, I’ll give you direction on that as well.

STEP 6: Take Action

Step 6: Take Action

At this point, the Discover, the analysis, and the results work is all complete.

  • Investments will be aligned to your risk tolerance and your goals.
  • Transfers will process and new money will be added to investment portfolios (if applicable).
  • Decisions on pensions, social security, healthcare, etc. will be communicated to the appropriate entity for execution.

STEP 7: Monitor & Update

Step 7: Monitor & Update

At this point we have a good plan and the initial pieces have come together.

We’ll focus on longer term goals such as estate documents, tax planning, as well as the portfolio monitoring.