Financial Planning
Confluence Financial Partners strives to bring your investments, tax planning approach, estate planning, and insurance coverage into one coordinated financial planning strategy. As part of our individuals and families services, our CFP® professionals work to align financial decisions with your long-term goals, and we believe this approach can help provide greater clarity and confidence throughout various stage of your life.
why financial planning
Coordinated financial planning may matter more than any single decision.
For families and professionals managing meaningful wealth, every financial decision typically influences what comes next. Your investments can shape your tax position, and your estate plan may influence the insurance coverage you may need. When outside professionals such as CPAs, estate attorneys, and portfolio managers operate independently, we believe a gap may develop between your objectives and the coordination of your strategy. That gap may create missed planning opportunities over time.
The value that coordination can help build.
When every element of your financial plan works together, the benefits often extend beyond any single decision. Through a tax-aware investment strategy, our team strives to help improve tax efficiency where appropriate. Reviewing your estate plan alongside your retirement timeline can help you protect both your family and your flexibility at the same time. We believe these coordinated decisions may create planning advantages that can be difficult to achieve through isolated planning.
How we approach financial planning
We organize our planning process around your complete picture rather than any single product or account. By beginning with your priorities and your family values, our team works to shape recommendations around what matters most to you.
If your circumstances change, we believe your financial planning approach should adapt with them. Careers transition, families grow, and markets shift in ways that no single moment can predict, and our team strives to monitor all of these elements so that updates can be made when they may be needed most.
our process
What working with our team looks like.
Discovery and strategy
We begin by listening to your complete financial story, working to understand your assets, family structure, goals, and concerns.
Putting your plan to work
We can help carry out your financial plan across every relevant area, working alongside your current professionals.
Ongoing reviews and oversight
Our team monitors your financial plan on a regular basis, not passively. We watch for notable changes in markets, tax legislation, and your personal circumstances.
meet the team
Meet our Director of Wealth Planning
Casey Robinson, MBA, CFP®, leads wealth planning at Confluence Financial Partners as our Director of Wealth Planning. Casey and his wealth planning team work alongside our advisors to help ensure our recommendations are thoughtful, comprehensive, and aligned with each client’s unique financial goals and circumstances. Our needs-based approach means every recommendation starts with your circumstances and where you are headed.
Casey Robinson CFP®, MBA
Director of Wealth Planning
Is financial planning right for you?
You may benefit from working with our team if:
- You have multiple professionals but no one coordinating across them
- You are navigating a major life transition such as retirement, inheritance, or a business sale
- Your tax, estate, and investment plans were developed separately rather than together
Request your Consultation
Complete the form below. A member of our team will reach out within one business day to schedule your complimentary 30-minute call.
FAQ
Frequently Asked Questions
What does comprehensive financial planning include?
At Confluence Financial Partners, comprehensive financial planning typically considers your investments, tax strategy, estate plan, and retirement timeline as elements of one coordinated approach. Our team works to help coordinate the components of your financial life in alignment with your stated objectives.
How is financial planning different from investment management?
Investment management focuses on portfolio construction, asset allocation, and market strategy. Personal financial planning may take a broader perspective, striving to coordinate your investments with your tax position, estate structure, and retirement timeline. We believe investment management is often most effective when integrated within a comprehensive financial plan.
How often should a financial plan be reviewed?
We typically recommend reviewing your financial plan periodically, with additional reviews when notable life events occur. Our team reviews your plan periodically and may suggest adjustments between scheduled reviews as appropriate based on your circumstances.
Do I need a financial planner if I already have a CPA?
A CPA can provide valuable expertise in tax filing and compliance. A financial planning advisor is structured around a broader perspective, helping coordinate your tax strategy with your investments, estate plan, and retirement goals. At Confluence Financial Partners, our team includes professionals who hold both CFP® and CPA certifications, which may help bring tax and planning perspectives together within one unified strategy.
What certifications should a financial planner have?
Look for a team whose certifications match your financial needs. Confluence’s team includes professionals who hold designations across financial planning, investment management, tax, retirement, and business exit planning, including the Certified Financial Planner (CFP®), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), Certified Investment Management Analyst (CIMA®), Chartered Financial Consultant (ChFC®), Chartered Retirement Counselor (CRC®), Certified Exit Planning Advisor (CEPA®), and Accredited Asset Management Specialist (AAMS®). That range means your situation is reviewed from multiple disciplines, not a single lens.
Ready to Take the First Step?
Schedule your complimentary consultation today.