Personal Financial Planning
At In The Money Retirement Planning, we help business owners and professionals bring clarity, structure, and confidence to their financial lives. Our approach goes beyond managing investments—we integrate every part of your financial picture into one clear strategy so you can make decisions with confidence and stay on track toward your goals.
What Is Personal Financial Planning?
👉Personal financial planning is more than a budget or investment account—it’s a comprehensive, ongoing process designed to give you control over your entire financial life.
📢We begin by understanding your current situation in detail:
📊Assets & Liabilities – What you own and what you owe
💵Income & Expenses – How money flows in and out
👍Goals & Priorities – What you want to achieve in the short and long term
👉From there, we work with you to create a strategic roadmap for reaching those goals—whether that means retiring on your terms, funding a child’s education, buying property, or creating a legacy.
Effective financial planning delivers:
✔️Organization – Bringing order to your finances so nothing falls through the cracks
✔️Peace of Mind – Knowing you have a plan and a partner to guide you
✔️Better Decisions – Understanding the trade-offs before making big moves
✔️Adaptability – Adjusting your plan as life changes
✔️Confidence – Staying on track toward your version of success
Our Fiduciary, Client-First Approach
Choosing a financial advisor is one of the most important decisions you’ll make for your future. We’ve built our process to put your interests first—always.
👉Fiduciary Commitment – We are legally and ethically bound to act in your best interest. Our recommendations are objective, transparent, and free from commission-based conflicts.
👉Client-Centric Philosophy – We take the time to understand your values, priorities, and life circumstances before making any recommendations.
👉Specialized Experience – We have deep expertise working with business owners and Pre-Retirees who value an active financial planning partner.
👉Local Roots, Regional Reach – Based in Southeastern CT, we understand the local economic and tax environment while serving clients throughout the region.
Integrated Financial Planning Services
Retirement Planning
We analyze your Medicare Benefits, Social Security, Long-Term Care Needs, Legacy Planning & Coordinate your income sources in retirement whether that's from pensions, 401ks or brokerage accounts.
Cash Flow & Budgeting
We analyze how money moves through your life, helping you optimize savings, reduce waste, and align spending with your priorities.
Investment Management
We build and manage portfolios aligned with your goals, risk tolerance, and timeline—integrating them into your broader plan, not treating them as a stand-alone service.
Risk Management
We review your insurance and protection strategies—life, disability, liability, and more—to safeguard your income and assets.
Tax Planning
We analyze your current tax exposure to help you lower your lifetime tax bill
Family Governance & Legacy Planning
We facilitate structured family discussions to align values, prepare heirs, and create intentional strategies for passing on wealth and responsibility.
Our Personal Financial Planning Process
1️⃣ Introductory Call
A complimentary 30-minute conversation to learn about your goals and challenges, and for you to get a feel for how we work.
2️⃣ Deep Dive & Strategy Development
We gather detailed information about your finances, values, and objectives, then design a personalized strategy to align your money with your life goals.
3️⃣Implementation & Ongoing Partnership
We put your plan into action and meet regularly to review progress, make adjustments, and help you adapt as life and markets change.