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Financial Fitness: Our Vision For Financial Planning

Do you think your “golden years” should be now and the future? We agree and can help make that a reality. We use a financial fitness approach, where we help you design, create, optimize, and maintain your ideal lifesytle.

Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.

-Pablo Picasso

Traditionally, investment management and financial planning have been reserved for those who have already saved a significant amount of wealth. We break that mold using services designed to also help those who may not have many investable assets yet. They still want and need help to balance saving for the future with their desire to fully enjoy their life now, not just thirty years from now.

Through our Financial Fitness program, we provide investment management and financial planning for today’s busy, driven, and passionate professionals. They often live a busy lifestyle, with little time to appropriately manage the full spectrum of their personal finances. That’s where the ongoing Financial Fitness program comes in.

This image portrays Financial Fitness by Patriot Investment Management Group.

What To Expect

Financial Fitness combines financial planning with ongoing accountability, much like a physical trainer combines basic fitness principles with a higher level of accountability. But, neither financial or physical fitness is a one-time deliverable. It is an ongoing process of developing and modifying your life goals and determining whether and how you can meet those goals.

Financial fitness works to make sure your plan is designed to evolve alongside your ever-changing life. This is ideal for busy, driven professionals who want to maximize their ideal lifestyle over their entire lives, not just in retirement, and want help doing so.

We help you by providing:

Organization

Building structure into your financial life by getting your financial house in order

Accountability

Helping you follow through on commitments that help you achieve your goals

Objectivity

Bringing insights and expertise to help you avoid emotionally driven, financial decisions

Proactiveness

Working with you to anticipate life transitions and be financially prepared for them

Education

Explaining what you need to know to help you succeed

Partnership

Assisting you collaboratively by working with you, not just for you

This Ongoing Program Includes:

  • Initial consultation and creation of a financial plan (over the course of 2-3 meetings with your financial advisor)
  • Implementation of initial plan and ongoing adjustments
  • Ongoing investment management
  • Periodic meetings each year with your advisor to proactively review, adjust, and update your plan as your life and lifestyle goals change
  • Ongoing access to your advisor between meetings for any questions or needs that arise
  • Online portal and app to access your entire financial picture and financial plan in one place

Financial Fitness focuses on numerous areas of your life. With personal finances, there are many questions, and obstacles. Here are some of the primary components we cover and address together to help you live financially fit:

Lifestyle Design

  • Lifestyle goals and priorities
  • Managing your human capital
  • Conscious spending and emergency fund
  • Debt and credit management for purchases
  • Lifestyle modeling and projections

Investment Management

  • Coaching and disciplined philosophy
  • Crafting risk profile and investment guidelines
  • Allocating and diversifying assets
  • Rebalancing and ongoing management
  • Limiting costs and taxes

Insurance Analysis

  • Maximizing employee benefits & healthcare
  • Protecting property and liability
  • Insuring against death
  • Insuring against disability
  • Evaluating long-term care needs

Estate & Tax Planning

  • Education & Charitable planning
  • Estate documents & digital assets
  • Asset titling & beneficiary designations
  • Minimizing current and future income tax
  • Gift and estate tax

Our Insights

Commentary For Driven Professionals

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Global Market Commentary: First Quarter 2022

Markets Have Worst Quarter Since 1Q2020 Global equity markets had a volatile first quarter, ending down for the quarter, as March was not enough to make up for the poor returns from January and February. Additionally, the bond market suffered its worst quarter since 1980. For the first quarter of 2022: The DJIA was down […]

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What’s Insider Trading And Why It’s a Big Problem

There’s a growing bipartisan push to prohibit members of Congress from buying or selling stocks. The shift follows news reports that several senators sold stocks shortly after receiving coronavirus briefings in early 2020 and that at least 57 lawmakers have failed to disclose financial transactions since 2012 as required by law. Congress passed that law […]

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If Russia Invades Ukraine, What Should You Do?

Wall Street has little recent history to go from, but at least two things are possible Starting in late 2021 and throughout all of 2022, Wall Street has debated what markets might do if Russia invades Ukraine. On February 11th, Jake Sullivan, the White House National Security Adviser, warned that Russia could attack Ukraine any […]

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Our Fees

Financial Fitness starts with an initial comprehensive plan, which is billed at $2,400, with a 50% discount if you elect an ongoing engagement. Ongoing fees are a combination of a $200 monthly retainer and a reduced fee of 0.75% on managed assets. We also provide hourly services billed at $250 per hour. Our fees and services are flexible and tailored to individual needs.