Affordable Financial Planner

Affordable Financial Planner

Looking for an affordable financial planner to help you secure your financial future? Leeward Wealth Management offers comprehensive financial planning services that help you achieve  your goals.

With over 30 years experience in financial planning, we help you analyze where you are currently and plan for the financial future so you can take care of yourself and your family. Let us be your expert guide, whether for formal or informal financial planning so you can achieve financial freedom!

Our Top Priority Is Helping You Take Care Of Yourself And Your Family

The first step is to find out about you; your personal situation, your dreams and goals, and your tolerance for risk. Then together, adding our expertise and knowledge, we can create a custom-tailored plan.


Affordable Financial Planner - Our Services

Leeward Wealth Management is a full service financial planning firm offering a wide variety of services to help you be in control of your finances:

Financial Planning

The foundation of your financial well being is a solid financial plan. A financial plan directs all your actions towards achievement of your short term and long term financial goals. So whether it’s to pay off your student loans, buy a house or set aside funds for your retirement, having a financial plan will ensure your success.

If you are looking for an affordable financial planner, Leeward Wealth Planning offers you expert advice that’s within your budget. This is what we can do for you:

  • Calculate Your Net Worth. In a nutshell, this is your Total Assets less your Total Liabilities
  • Determine Your Cash Flow. It’s important to know where you spend your money to draw up a financial plan.
  • Define Your Goals. It’s important to have well defined and specific goals.

As your financial planner, Leeward Wealth Management helps you draw up a detailed savings and investments plan that help you achieve your goals, both short term and long term.

Financial Planning

Why is retirement planning important? If you do not want to run out of money during your retirement, planning for the time when paid work stops is crucial.

Having a solid retirement plan has many benefits. This are just some of them:

  • You lower your stress levels. Taking definitive steps to planning towards your future financial wellness relieves worry about money. Money worries can lead to poor emotional and physical health. A retirement plan not only allows you to maintain your lifestyle when you reach your retirement, it also gives you peace of mind as you prepare for it.
  • You can take advantage of tax reducing schemes. Tax strategy for retirement should start during your working years. If you plan early, you can take advantage of these schemes:

Tax Deferred - Pension plans, social security, 402(k)s, and pre-tax IRA’s

Tax Free - Roth IRA’s, Health Savings Accounts and Municipal bonds

Tax Advantaged - Standard brokerage accounts that has tax-efficient investments including index funds. 

  • It helps you make better decisions about your career and finances.  Because you have a clearer picture of your financial future, you are able to make decisions that are based on figures rather than just on intuition. 

For instance, you can make more rational decisions on whether to start a company of your own or just stay employed. Or if you could afford to pursue another career path even late in your life. Or if you can afford to buy that vacation home in the mountains like you’ve always wanted. 

  • You avoid running out of money. This is the scariest thing that can happen to you when you retire. When you plan for your retirement, you avoid being a burden to your children, you’re able to continue with the lifestyle that you are accustomed to and can even retire early should circumstances force you to.

Having a retirement plan helps you calculate the rate of return you need on the investments that you make. It guides you on how much calculated risk you can take. If you need to, it also helps you gauge how much income you can safely withdraw from your portfolio. 

Leeward Wealth Management can help you draw up a solid retirement plan that will address your future needs based on your present circumstances.

Read More on Retirement Planning

Estate Planning

While retirement planning takes care of YOUR needs when you stop working, estate planning helps take care of your loved ones or the institutions you care about when you pass away.

What is an estate anyway? It’s a common misconception that only rich people have estates that they can pass on to their heirs. However, everyone has an estate. It is essentially a person’s belongings and can include land and real estate, artwork and other collectibles, furnishings and investments. 

While obviously the stakes become bigger as the amount of property and assets you own more extensive, it is important to have an estate plan regardless of its size.

An estate plan ensures that your estate is managed and transferred to your chosen beneficiaries when you pass away. Here are the benefits of planning your estate:

  • It avoids strain in the family or your beneficiaries. With a clear cut will (which is one of the documents in an estate plan), you avoid having the people you care about fight over who gets which, when you pass away.
  • It eliminates the financial implications of your death. Without an estate plan, your assets become frozen upon death and your family will have to pay high estate taxes before they are able to access the money and transfer ownership of your properties.
  • It helps secure the future of your family. With an estate plan, you ensure that your family is able to comfortably live on after your death. 

Leeward Wealth Management offers you invaluable advice on drawing up your estate plan. We help you protect your family during the time when they need it most.

College Planning

One of the best legacies you can give your children is the gift of education. Equipping them with a good educational background helps in securing their financial future.

College education can be expensive and costs continue to increase yearly. It’s important to have a plan in place to ensure that you are able to afford tuition come time for your children to step into college. One strategy is to start early. And the earlier you start the better.

Another strategy is to take advantage of special savings accounts specifically for this. These help you systematically save up for college. 

  • 529 College Savings Plans
  • Coverdell Education Savings Accounts (ESA)

You can also choose to do this through:

  • Mutual Funds
  • Custodial accounts under UGMA/UTMA
  • Qualified U.S. Savings Bonds
  • Roth IRA

As your affordable financial planner, Leeward Wealth Management helps you analyze the pros and cons of each savings method. We help you choose the strategy that works with your particular circumstances while maximizing the benefits for your child.

Tax Planning

Taxes can take a substantial cut from your income. While taxes are inevitable, there are strategies that help reduce your liabilities that allow you financial leverage which you can use to invest to grow your money more. 

As an experienced financial planner, Leeward Wealth Management offers advice on tax efficient investments. We help you forecast tax liabilities from your investments and utilize strategies that reduce the amount of taxes you pay.

Wealth Management

All investments have risks involved. And with the volatile situation the world is in now, whatever you’ve worked hard for can be taken away at a blink of an eye. 

However, through careful analysis, a lot of risks can be kept to manageable levels. By carefully reviewing and understanding the risks you have, Leeward Wealth Management can guide you through financial decisions that mitigate uncertainties. 

Protect yourself from risks that can jeopardize your investments with expert help from our financial planners.

Read More on Risk Management

Insurance and Annuities

Insurance and annuities are financial products that you can add to your portfolio that help you create a more stable financial future for you and your family. 

Both insurance and annuities are long term investments that come with their own benefits, as well as, risks. Life insurance is designed to offer financial stability to your dependents in the event your passing. Annuities is a financial product you purchase, paying a set amount of money over a period of time. Upon maturity, you can choose to get back your investment through a lump sum payment or a stream of income

There are several financial products available that help you build an investment plan that can protect you and ensure a comfortable life for your loved ones. Among the more popular of these financial products are life insurance and annuities.

Both life insurance and annuities are long-term investments, each with their accompanying risks and benefits.

Life insurance ensures the financial stability of your dependents in the event of your death. Annuities are also insurance contracts where you pay a set amount of money to institutions that invest these funds for you. Upon maturity, you receive a lump-sum payment or a stream of income which you can use during your retirement. 

Both have their merits and drawbacks. Which one will be most advantageous for you? It is common for people to own both. Leeward Wealth Management offers expert advice on what strategy fits your particular situation.

Tax Planning

When you have achieved a certain level of wealth, your finances may be more complicated with a wider range of resources and a more diverse investment portfolio. At this level, you need an investment advisory service that combines all the above financial services in one comprehensive package. 

Leeward Wealth Management specializes in this holistic approach to managing your financial affairs. With a solid grasp of finances and investments, we carefully craft a strategy that incorporates appropriate financial products and services that meets your particular requirements.  

Here is what we do for you:

  • Financial and investment advice
  • Accounting services
  • Tax planning
  • Retirement planning
  • Legal and estate planning

Leeward Wealth Management - Affordable Financial Planner

Many people are afraid to consult with financial planners thinking that it would be unaffordable. However, think about it - can you really afford not to consult with a good financial planner? 

Do you want to leave your finances to chance and risk financial uncertainty? OR Do you seek expert advice that will help you secure your future for yourself and your family?

There is no need for a difficult choice. Leeward Wealth Management offers affordable financial planning services that are designed to meet your needs.

We offer a free consultation, so  call us today at Leeward Wealth East  (305) 304-4110 or Leeward Wealth West (907) 347-3860.

Tags: affordable financial planner, wealth management, tax planning, risk management, financial planning, retirement planning