At Foothills Financial Planning, we take pride in our strong client orientation. We provide independent, objective advice that is tailored to your needs, not product sales. The services we offer can range from a consultation to address a specific goal to building a comprehensive financial plan that will help you live with the peace of mind that your financial house is in order. If you are a do-it-yourself investor, we can provide a second opinion to provide validation that you're moving in the right direction. Other examples of the services we provide include:

Investment Advice

Investing is the key to developing wealth over time. Foothills Financial Planning aims to help you maximize your investing success while minimizing your risk. This is not a one-size-fits-all proposition. Your specific objectives, time horizon, and willingness to accept risk are each key components in developing a realistic investment plan that is personalized for you.

Retirement Planning

Planning for retirement doesn't have to be complicated, but there are a number of investment vehicles available on the market, and we will help you navigate the options to decide what makes sense for you. We can review your 401k or 403b, and optimize the investments within those accounts. Perhaps most importantly, Foothills Financial Planning will design a strategy that balances contributions between the various accounts and investments to ensure that you maximize your tax planning, both now and at the time you must draw from your retirement funds.

Employee Stock and Stock Option Planning

Companies in the technology arena often use company stock and stock options as incentive rewards for their employees. This can result in those employees holding concentrated positions of stock or options of their employer. To minimize this exposure, Foothills Financial Planning can design a deliberate strategy to divest these holdings in a methodical manner to minimize taxes while achieving diversification.

Planning for Multiples

Chances are, if you've recently learned that you will soon be having twins or triplets (or more!), it has come as a surprise. As the father of triplets, Kevin has a uniquely empathetic perspective on your situation. Financial planning for parents of multiples takes on an added urgency, and it doesn't stop when they're born. We can help you navigate the specific challenges facing parents of multiples, and get you the financial help you need to reduce the stress and maximize the joy of this amazing experience.

College Planning

As with retirement planning, there are a number of tax-advantaged vehicles available on the market to help you meet the rising costs of college. Which are most appropriate for you? What investments should you select within those accounts? We'll help you work through these questions, as well as balancing the college funding question with other investment needs, such as retirement.

Budget Planning and Cash Flow Management

For most Americans, financial success starts with managing cash flow. A strong investment strategy is pointless if there is no money to invest. Generating the capital to invest is arguably the most important component of building wealth or achieving specific investment goals. Foothills Financial Planning aims to help our clients become good financial stewards. If you don't have a budget, we'll work with you to develop one. If you have one but don't stick to it, we'll ask you the tough questions on an ongoing basis to help you stay accountable. Analyzing your monthly or annual cash flow is the start. From there, we will develop a plan together for you to live within your means so you can free up the cash to march toward your investment goals.

Insurance Needs and Analysis

Insurance is a key component in maintaining financial security. Foothills Financial Planning can help you manage risk by providing a thorough analysis of your insurance needs and review your current policies to identify any gaps that may exist. We will also recommend a path forward and a low cost provider to help you close those gaps.

Ongoing Investment Management

If you would prefer to delegate implementation of the investment plan we prepare for you, and would like to focus your time and energy on other personal demands, Foothills Financial Planning can provide professional investment management for your portfolio. As with all of the services we provide, this management will be tailored to your personal objectives, and under no circumstances will we ever implement a decision without your specific approval.