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Plan Well

Our Look Forward Planning Process Is Like GPS For Your Financial Journey 

Our Look Forward! Planning process is our collaborative, creative, customized approach to turning your ideas, goals and resources into a strategy that represents the life you want to live. 

Life is a Journey.  Our financial strategies are in many way like GPS for your car.....finding the most efficient way for you to reach your desired destination.   If a roadblock or obstacle occurs, the new course is already mapped out. 

This interactive and tangible action plan for your life, financial and otherwise, is designed around defining paths for your success.

Our planning process will help answer those important financial questions, what does retirement look like, will I have a comfortable retirement, can I take that dream vacation or vacations, how does giving  money to kids or grandkids impact my future, or simply can I live the financial life I imagine?  You will see how all of your resources and desires fit together.   

Plan Well.  Invest Efficiently.  Relax.


Will I Be OK?   Our Look Forward Process Will Help Answer Your Important Questions

Will I Be OK?   Our Look Forward Process Will Help Answer Your Important Questions

Our planning process will help answer those important financial questions, what does retirement look like, will I have a comfortable retirement, can I take that dream vacation or vacations, give money to kids or grandkids, or simply live the financial life you imagine.   

Will I be able to retire? 

Will I have a comfortable retirement?

Will my family be ok?

What happens if I..........?

Can I give money to kids, grandkids, or charity without hurting my future?

And all of your other important questions.

With our planning process, you will see how all of your resources and desires fit together.   


Having A Great Portfolio Is Just One Part Of Financial Success

Having A Great Portfolio Is Just One Part Of Financial Success

At Knox Financial Services, we help clients plan for their future and manage their assets.  Having a great portfolio is just one part of financial success.   Using your assets efficiently is also very important. We believe we get the best outcomes for our clients by combining a financial plan, or roadmap for your future, with our asset management process.  You may choose to use our planning services, asset management services, or both.






Our Look Forward Planning Process

We Learn About You

We Learn About You

The first step is for us to learn about your current situation, your goals, values, and resources, or a total view of you and your situation.  We get to know you well. 

We also describe our planning process.

If we agree we are a good fit to work together, we may continue the process.







A Complete View Of Your Situation

A Complete View Of Your Situation

The core of our process is your personal balance sheet, or summary of your available resources, so you have an accurate picture of where you are now.

With your Personal Financial Website, your financial picture may be automatically updated.

Your balance sheet is a complete summary of your financial situation, easily viewed and updated.

We take the time to understand where you are now, so we can help get you where you wish to be.




Your Custom Strategy

Your Custom Strategy

We hope you are well positioned.  If steps are needed, we present the most efficient ways to help you reach your desired goals.  We also cover the many “What if” scenarios, like retiring early, if you become disabled, sell a business, or simply, “Will I Be Ok?    Our process helps define any potential roadblocks to success and solutions to handle them. 

This is a very detailed presentation of our strategy for your unique situation.    If we agree on the strategies, we then provide a detailed report of your financial plan.





Put It Together

Put It Together

If our strategy and process makes sense for you, and adjustments are needed, you may take the next steps and have our team put your plan it place for you. 

Our team takes care of every step, down to every last detail.  










Follow-Up

Follow-Up

After your strategy is implemented, we get together to review your new direction, to make sure you are comfortable with the process and review any questions you may have.


If you wish, we may continue to work together on an ongoing basis, with systematic reviews of your progress and be available for ongoing consultation.   See below for more details of our ongoing services.


Life is a Journey.  Our process will help you stay on track. 


Our Value

Our Value

We believe anything worth doing is worth doing well and should add value to your situation.   With our planning process, the services provided include:

  • Our initial meeting to understand your situation, resources, goals and values
  • Developing your goals
  • Developing your personal balance sheet
  • Developing strategies to match your unique goals
  • Meeting to present your unique strategies
  • Evaluation of any contingencies that may change your path
  • Refinement of your unique strategy
  • A report of your balance, strategies, and planning scenarios
  • Access to Your Personal Financial Website for 24 months

Our Look Forward! Planning Service covers all of the steps the planning process.  Our advisors have a standard fee schedule for services, which may be adjusted depending on the total work involved.  Regardless, before we begin any work, you and your advisor must agree on the services provided and the cost involved.

Relax

Relax

We believe the best part of our planning process is that it will allow you to have confidence in your future. 

Our Look Forward! process will help you:

Plan Well.

Invest Efficiently.

Relax.




   

Ongoing Consultation

Ongoing Consultation

Our Look Forward! Planning Service is also available on an ongoing basis. 

If you wish to work together on an ongoing basis, our services include:

  • Annual or Semi-annual review meetings to review your progress 
  • Evaluation of contingencies that may change your path
  • Consultations with your Financial Advisor
  • Optional Weekly updates from your Personal Financial Website
  • Access to Your Personal Financial Website on an ongoing basis

Our Look Forward! Planning Service covers all of the steps the planning process. 

For our ongoing Consultative Services, our fees are dependent on the scope of work and services provided.  Our Advisors have a standard fee schedule for ongoing planning services, which may be adjusted depending on the total work  and services agreed upon.  Ongoing Financial Planning Consultative Services may be paid via a monthly automatic bank draft or credit card payment, or annually via check or one time bank draft.  Regardless, before we begin any work, you and your advisor must agree on the services provided and the cost involved.

Life is a Journey.  Our ongoing Look Forward! services will help you stay on track. 



   

See How We Stay In Touch With Ongoing Services

Below are our Look Forward! Core Financial Planning Services

Comprehensive Plan

Comprehensive Plan

The complete financial plan, encompassing all of our core financial planning services.

Investment planning, estate planning, retirement planning, insurance and risk management, cash flow, family assistance, and income tax are all covered in this interactive plan. 

A complete picture of your financial situation and highly probable paths to get you where you want to go.

Balance Sheet

Balance Sheet

The core of all of our planning process is your personal balance sheet, or summary of your available resources, so you have an accurate picture of where you are now.  This is a complete view of your investments, properties, known incomes, liabilities, and risk management tools.

With your Personal Financial Website, your financial picture may be automatically updated.

We take the time to understand where you are now, so we may help get you where you wish to be.

Income Plan

Income Plan

We provide a cash flow plan for you and your family, which provides detailed analyses of income and expenses.  Such a plan can help determine your ability to maintain your current lifestyle in retirement, accommodate large expenses or unexpected events, such as medical or long-term care expenses, evaluate wealth transfer strategies and your gifting capacity, and plan for survivorship income and expenses.

Estate Plan

Estate Plan

All greats things come to an end.  Having an estate plan can provide essential protection for your family and assets during your lifetime and beyond.

One of the easiest plans to overlook, failing to plan may be some of the most costly financial events of our lifetimes.

We develop estate planning strategies that reflect your objectives and values. 

A comprehensive estate plan may also help enhance confidentiality and potentially minimize taxes.

Tax Planning

Tax Planning

Often, when you file your income taxes, you may only look at the past year and how your finances were impacted.

We take a proactive approach with tax planning to help you better understand what your tax situation may look like in the future and how the decisions you make today may impact your your future wealth.

Risk Management

Risk Management

Risk Management is more than owning insurance.

During the risk management process, we help analyze and assess your exposure to major risks.  We first help you Identify and prioritize your key risks.  Then, we help you establish your comfort level with each risk.  We then show you ways to mitigate your risks, if possible.

If there is need to mitigate risk, advice is then provided on the costs and benefits of available financial products that seek to reduce risks.   

Cash Flow

Cash Flow

With the often intense focus on accumulating assets, cash flow sometimes fails to get the attention it requires.  Even the wealthiest investors may experience mismatches between their available liquidity and their income requirements.

In this process, we may examine income sources, expenses, debt management, one-time expenses, planned large expenses, emergency funds, mortage reviews and lines of credit.  With a complete picture, plans may be developed to achieve your cash flow goals.

Education Planning

Education Planning

Saving for a family member's education may be a goal.  

For those seeking to help a family member continue their education, we analyze your available resources, provide education on the types of accounts and programs available, and determine a strategy to help meet your education goals.

We also offer financial education services for your family, like a child's first portfolio, financial education series, and personal financial website for your family.

Planning Service Modules

If you have a specific goal or area of concern, our Planning Service Modules focus on a specific topic.  Straightforward planning advice, focused on your area of interest only.

Personal Services

Basic Retirement Income Model


Financial Wellness


Financial Education Series


Account Consolidation


Loan and Banking Relationships


Virtual Vault


Second Opinion on Insurance


Non-Financial Retirement Planning


Family Services

Next Generation Investment Education


Education Funding Planning


Family Charitable Gifting Process


Family Estate Planning


Legacy Planning


Tell Your Story and Values: Ethical Will


Family Estate Meeting / Family Retreat


Family Bank

Lifestyle

Values Planning


Professional or Career Planning


Shopping or Purchasing Behavior


Insurance Situation


Major Purchase Planning





Business Consulting

Business Planning


Business Transition Planning


Employee Benefits Review


Tax, Payroll, and Accounting Services

Keyperson Financial Planning


Executive Benefits


Business Planning Retreat


Working For You!

Jason Knox, AIF®, CRC® is a Fiduciary.  While providing Services, Jason Knox and his team will act in the capacity of a Fiduciary. This means that we will, at all times while engaged in providing Services, serve your best interests.  During the course of providing Services, we will make reasonable Inquiry into your objectives, and have a reasonable belief that the advice given will be in your best interest.  We will make full and fair disclosure of all material facts relating to any inherent conflicts in the advice that will be given.  While our our Investment Advisory Agreements have ongoing fiduciary responsibility, our fiduciary duty ends with the delivery of the Financial Planning Services engaged under Financial Planning Services Agreements, unless an ongoing arrangement is established. 

Learn more about our commitment to Fiduciary Excellence

Having A Thorough Plan Is Just One Part Of Financial Success


To see how our Investment Efficiently process develops an efficient portfolio, tailored to your specific goals and risk level, click the button below.  Look Forward! to your Financial Future!


Invest Efficiently


Plan Well.  Invest Efficiently.  Relax.

A thorough financial plan and an efficient investment portfolio are like peanut butter and jelly.  Both are good, but the combination is even better.

To learn about how combining our Look Forward! Planning Process and our Invest Efficiently! wealth management process produce better outcomes, click below.  Look Forward! to your Financial Future!

Relax

Our Value

We believe our financial planning services provide value to our clients.   We also believe anything worth doing is worth doing well.  Our Financial Planning Services Agreements define the scope of work our Team will provide, the service we will deliver, and the total cost to you.  There is no cost for an estimate of the financial planning service cost for qualified clients.  Our Advisors will prepare a written summary of the scope of work requested, the services provided, and the proposed cost.  If these are acceptable to you, we will begin the agreed upon work.   

Our Core Financial Plans include a comprehensive process of understanding your personal and financial circumstances, identifying and selecting your goals, analyzing your current course of action and potential alternative courses of action, developing the Financial Planning recommendation(s), presenting the Financial Planning recommendation(s) to you, and if we mutually agree, implementing the Financial Planning recommendation(s).  The cost of the Planning Service will vary based on the scope of work involved, the services provided, and the anticipated number of hours involved.   Our advisors have a standard schedule of fees for services based on the total scope of work.   

Our Financial Planning Modules include understanding your current situation, identifying the goals of the module, analyzing any current processes, developing the recommendations, and presenting the recommendations to you.  As these modules are focused on the specific topic, the advice under these Agreements are limited to the scope of work agreed upon.  

Our Financial Planning Services do not include asset management services.  If desired, these services are provided under a different agreement between you and us.    

How do I pay for financial planning services?

Payment for standard Financial Planning Services may be in the form of a check, payable to "Lincoln Investment" or via ACH bank draft.  Once the scope of work and price is agreed upon, customarily 50% of the total fee is necessary to begin work, with the remaining 50% due when the Planning Service is delivered.   In very complex Planning arrangements, the percentage to begin work may be higher.  Where ongoing Financial Planning Services are requested, we may implement a monthly automatic bank draft or credit card payment, or annual payment via check or one time ACH draft.  We require annual written recommitment to such ongoing fee arrangements.

I have money invested with your firm, why are these planning services extra?

Our fee-based Asset Management programs include the costs of building, maintaining, monitoring your investment portfolio, including trading costs, reporting, updates and providing services for investment management.  We price asset management program fees based on the costs involved in managing assets, and do not include costs for additional financial planning, which may or may not be utilized by clients using our asset management services.  We believe our clients should only pay for the services we provide.   When offering asset management programs, our Advisors may provide a basic retirement income hypothetical at no additional cost.  More complex retirement income planning models are available with our Financial Planning Services.

How Long Does The Financial Planning Agreement Last?

For Financial Plans, the Agreement commonly will terminate upon delivery or completion of the Services agreed upon.   The Financial Planning Agreement may be terminated at any time by any party upon receipt of written notice to the other parties.   If you terminate your Service Agreement, you will be entitled to a refund of unearned Fees paid in advance, taking into account the time, effort, and extent of Services already performed by by us prior to receipt of the notice of termination of this Agreement.  Electronic copies of Financial Planning documents are available in our client portal for 24 months after the delivery of the Program.   

For ongoing Financial Planning Consultative Services, the Agreement is renewed each month for an initial 12 month period.  At the end of the 12 month period, the Services may be renewed by written Agreement for a new term.   During the ongoing consultative service, your Personal Financial Website access is ongoing.  If you terminate your ongoing consultative agreement, your Personal Financial Website is available for 12 months after you discontinue our services.

Life if a Journey.  Our Look Forward! Planning Services will help you stay on track.