“As a doctor I worked with people from all walks and stages of life. That’s knowledge and understanding I use to help my financial planning clients.”

Student • Young Professional • Growing Family • Marriage • Divorce • Pre-retirement • Retirement • Loss

Financial Planning for Every Stage of Life

Every stage of life presents different financial challenges and opportunities. No matter what stage you’re in, I offer personalized education and guidance to help you maximize your finances and achieve your goals. Plan implementation, monitoring, and follow up are customized to your needs.

Student

As a student you’re striking out on your own and focusing on the basics. But you have a long financial future, so it’s important to learn about personal finance and build good habits. At this stage I can help you with: 

  • Budgeting and saving during college and graduate school
  • Managing loans and credit cards
  • Maximizing savings programs 
  • Using student loans effectively and efficiently 
  • Taking the first steps towards retirement planning 

 

Young Professional

Finishing your education or starting your career? It’s an ideal time to establish a solid financial foundation. My services for young professionals include: 

  • Reviewing loan and credit card repayment options 
  • Designing and implementing savings plans
  • Taking the first steps toward retirement planning 
  • Assisting with the review and consolidation of retirement accounts including 401(k)s and Roth IRAs 
  • Assisting with homebuying strategies
  • Creating a financial plan for a growing family 
  • Determining insurance needs including life and disability plans
  • Developing and reviewing investment portfolios

 

Growing Family 

Having children changes many facets of your life — including your finances. It’s an excellent time to design your family’s financial future and to review issues that can arise during this busy time of life. At this stage I can help you with:

  • Maximizing retirement savings options 
  • Managing student debt
  • Starting savings plans for your child including education savings accounts 
  • Analyzing insurance needs 
  • Creating a strategic emergency fund
  • Managing mortgage payments and planning for a move
  • Developing and reviewing investment portfolios

 

Marriage

When you establish a new life with someone – whether it’s a first or second marriage – you also enter a new financial phase. And if you’re blending families and finances, it presents additional challenges. To minimize stressors, make sure you have a solid plan in place and anticipate financial hurdles. My services for married or engaged couples include: 

  • Designing financial account structures that work for you as a team
  • Creating family budgets 
  • Maximizing and consolidating retirement savings plans
  • Ensuring adequate savings plans and emergency funds
  • Reviewing insurance needs and opportunities for consolidation
  • Handling basic tax planning and review
  • Advising on real estate issues 
  • Reviewing and updating estate plans, investment portfolios, education savings accounts, and beneficiaries

 

Divorce

Divorce creates a lot of chaos, but it also presents opportunities for financial improvement. I can be your advocate and guide through divorce proceedings, ensuring a more successful financial future and easing some of the stressors inherent in the divorce process. My services include:

  • Providing financial education and training
  • Analyzing and defining assets 
  • Analyzing cash flow needs and budget development
  • Managing the tax consequences of a divorce settlement
  • Assisting with home sales and purchases
  • Reviewing and updating investment plans, estate plans, education savings plans, retirement plans, and beneficiaries
  • Analyzing insurance needs
  • Assisting with credit and debt management

 

Pre-retirement

Retirement is a process that, for many people, begins with a “pre-retirement phase” in their 50s. This life stage is a time for asset acquisition, consolidation, and analyzing retirement goals and needs. You also want to ensure you’re maximizing all available resources and tools to save for the future. At this stage I can help you with: 

  • Defining financial strategies to help you reach your retirement goals 
  • Reviewing and consolidating investment portfolios
  • Evaluating alternative savings tools 
  • Reviewing your emergency fund  
  • Analyzing and updating insurance needs 
  • Managing health care expenses
  • Reviewing and updating estate plans 
  • Addressing financial issues related to caring for elderly parents and adult children 

“As a doctor I worked with people from all walks and stages of life. That’s knowledge and understanding I use to help my financial planning clients.”

Retirement 

You made it! As you start retirement, it’s time to put all the tools you’ve acquired to work, use your finances wisely, and enjoy your freedom. I can help you with:

  • Analyzing and budgeting cash flow 
  • Paying off a mortgage
  • Developing downsizing strategies
  • Reviewing portfolios and estate plans
  • Developing distribution strategies from retirement accounts and pensions 
  • Using Social Security strategically
  • Managing health care expenses
  • Analyzing insurance and long-term care needs
  • Developing gifting strategies for families or charities
  • Addressing financial issues related to caring for elderly parents

 

Loss

The loss of a loved one can cause tremendous financial confusion and stress during a difficult emotional time. Even with an excellent estate plan in place, you’ll have paperwork to complete and new financial realities to address. During this challenging life stage, I can help you with: 

  • Understanding trusts and estate plans 
  • Working with investment managers, estate planners, and bankers to follow an estate plan and transition assets 
  • Developing new budgets, savings plans, and retirement plans
  • Creating smart strategies for using insurance funds and inheritances 
  • Updating financial accounts and assets

 

505 554 2329 

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP®(with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

 Disclosure: ClariFinancial  (“RIA Firm”) is a registered investment adviser located in Albuquerque, NM.  ClariFinancial may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. ClariFinancial’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of ClariFinancial’s web site on the Internet should not be construed by any consumer and/or prospective client as ClariFinancial’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by ClariFinancial with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of ClariFinancial, please contact the state securities regulators for those states in which ClariFinancial maintains a registration filing. A copy of ClariFinancial’s current written disclosure statement discussing RIA Firm Name’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from ClariFinancial upon written request. ClariFinancial does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to ClariFinancial’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.

 

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ClariFinancial, LLC    1718 Central Ave SW, Suite C    Albuquerque, NM 87104    505 554 2329    Map

|      505 554 2329  

|      505 554 2329      |