Castle Rock Investment Company

Independent Guide, Trusted Partner.

Individual Financial Planning Services

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Your financial life is made up of many pieces, including retirement planning, college planning, employment benefit allocation, tax planning, estate planning and cash flow planning. This can all be overwhelming but thankfully, Onward (a division of Castle Rock Investment Company)  is here to help.

We partner with you to put all the pieces together, leaving you with a clear and concise picture of where you are now and a roadmap for the future.

The Onward team is compensated on a fee-only basis, meaning that there are no hidden fees for our advice and services. We do not receive any commissions for selling products, meaning that our recommendations come free from any conflicts of interest.

Individual Financial Plan Pricing:

Project-Based: All services below can be provided on an as needed basis for $200 per hour.

Subscription-Based: Onward subscriptions start at $200/month for 2 hours of work per month. 50% off our hourly project rate.

If your finances are simple, you may only need to purchase 2 hours a month to begin working through everything you need to have your finances in order.  More complicated finances may need more, you decide!

 

Financial Planning:

Estimated Time: 7-15 hours
Services include:

  • Determine Financial Goals
  • Analyze Client’s Risk Tolerance
  • Develop Asset Allocation and Investment Recommendations (one time or as needed)
  • Assess Life, Disability, Health Care and Long Term Care Insurance Needs
  • Create Plan for Retirement Income
  • Evaluate Basic Tax Issues (Adviser is NOT a CPA and strongly recommends suggestions be discussed with client’s tax professional)
  • Discuss Basic Estate Planning Issues (Adviser is NOT an attorney and strongly recommends suggestions be discussed with client’s estate planning attorney)

Retirement Planning and Investment Recommendations:

Estimated Time: 1-2 hours
Services include:

  • Analyze Client’s Risk Tolerance (i.e. computing working life expectancy, time horizon, etc.)
  • Check Client’s Asset Allocation for Over/Under Exposure to Various Asset Classes
  • Suggest Rebalance Between Asset Classes
  • Assess Quality of Investments in Portfolio
  • Suggest Alternate Investments if Applicable
  • Analyze and Recommend Investments within Client’s Employer-Sponsored Plan 

College Savings Plan:

Estimated Time: 1-2 hours
Services include:

  • Analyze Needs of College savings for Self and/or Dependents
  • Develop Plan to Achieve Desired College Savings Goals
  • Assist in Selecting, Opening, and Funding College Savings Vehicle(s)

Insurance Analysis:

Estimated Time: 2-4 hours
Services include:

  • Analyze Life Insurance Requirements
  • Analyze Current Disability Insurance Policies and Provide Recommendations Based on Client Objectives
  • Develop Strategy for Potential Long Term Care Needs (This may include investing/self-insuring against the possibility or transferring risk to an insurance company)
  • Analyze Health Care Insurance Needs and Current Policy Options
  • Shop for Appropriate Insurance Policies at Client Requests (i.e. umbrella policies) 

Social Security Claiming Strategy:

Estimated Time: 1-3 hours
Services include:

  • Analyze Cashflow Retirement Needs
  • Assess Social Security Benefits
  • Determine Optimal Age to Claim Social Security

Retirement Income Planning:

Estimated Time: 2-10 hours
Services include:

  • Analyze Current Cashflow
  • Determine Retirement Goals
  • Identify Cashflow Needs During Retirement
  • Explore Social Security Claiming Strategies
  • Develop Diversified Retirement Income Portfolio
  • Explore Other Income Opportunities Available
  • Determine Most Tax Efficient Drawdown Schedule

Estate Planning:

Estimated Time: 2-10 hours
Services include:

  • Determine Asset Transfer Objectives for Heirs
  • Analyze All Assets and Liabilities and How They Are Owned
  • Analyze Current Risk Management Tools and How They are in Place
  • Review Current Wills and Powers of Attorney
  • Counsel on Best Practices to Mitigate Estate Taxes, Gift Taxes and Probate 

General Financial Consulting:

Services include:

  • Analyze Cash Flow and Financial Needs
  • Develop Debt Reduction Strategy
  • Prioritize Goals
  • Counsel on Best Practices to Grow Net Worth

All recommendations and advice put your interests first. We do not collect revenue from any other source so your financial goals are our financial goals.

 

Onward is a Division of Castle Rock Investment Company
333 Perry Street, Suite 208, Castle Rock, CO 80104
Email: Info@CastleRockInvesting.com • Web:  www.CastleRockInvesting.com
Castle Rock Investment Company is independently owned and operated.