Comprehensive Financial Planning

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Comprehensive Financial Planning is the process of determining

where you are…

where you are going…

and if there is a better route.

All Galecki Financial Management analyses and plans are created on computer software which was developed and written by Greg Galecki over a ten-year period. Each plan is customized for the individual client based on their specific financial situation, goals and objectives.

We begin by gathering data on your:

• Taxes
• Retirement Plans
• Wills and Trusts
• Employee Benefits
• Insurance Programs
• Bank Statements
• Stock Statements
• Monthly Expenses

Together we realistically quantify your goals and needs. This helps us to understand where you want to be financially in the future. We can then plan the most effective and efficient use of your economic resources.

A Comprehensive Financial Plan cannot be developed overnight. This process takes one full year. You can expect to meet with us quarterly to review different areas as your Financial Plan develops.

Your Financial Plan includes an in-depth analysis of your:

• Current and projected net worth
• Current and projected cash flow
• Projected Federal and State taxes
• Education funding needs
• Investment diversification and risk analysis
• Analysis of life and disability insurance needs
• Projections of retirement income, expenses and cash flows
• Analysis of retirement needs
• Projections of estate expenses using your present wills and trust documents

Your Financial Plan will be designed to help you:

• Reduce income taxes
• Meet education goals
• Plan for retirement needs
• Increase cash flow
• Use insurance premium dollars more effectively
• Better utilize employee benefits
• Reduce estate taxes

Galecki Financial Management charges an annual retainer for the development of your Financial Plan. The need and approximate cost will be determined after your Initial Financial Overview.