Cash Flow & Income
- Cash-flow planning and liquidity decisions
- Bonuses, commissions, and business distributions
- Income timing
- Major purchases
- Savings and spending decisions
- Capital-allocation decisions
Ongoing Planning
A financial advisor who stays involved as your life changes.
Your financial life doesn't happen once a year.
Income changes. Businesses grow. Bonuses arrive. Equity vests. Tax laws change. Families grow. Major purchases come up. Opportunities appear.
Ongoing Planning gives you a financial partner who already understands the bigger picture — so you don't have to start from scratch every time an important decision comes along.
Starting at $7,200 per year
The value isn't another annual meeting.
It's having someone who already knows the context.
Imagine you're about to:
- Receive a significant business distribution.
- Exercise or sell company equity.
- Buy a new home.
- Make a large investment.
- Change your retirement contributions.
- Sell a concentrated position.
- Make a major charitable gift.
- Help a child with a significant expense.
- Retire earlier than expected.
- Deal with an unexpected change in your business or family.
You could figure each decision out on your own.
Or you could have someone who already knows your income, investments, taxes, cash flow, goals, and priorities help you think through the decision before you make it.
That's the value of an ongoing relationship.
Your financial plan should evolve with you.
The initial plan gives us a foundation.
Ongoing Planning keeps that plan current as your circumstances change.
Rather than waiting for an annual meeting to review what happened, we stay involved throughout the year — helping you identify opportunities, evaluate decisions, coordinate with your other professionals, and put recommendations into action.
The work is driven by what's happening in your life, not simply by the calendar.
What ongoing planning can include
Every client relationship is different. We focus our time on the decisions that matter most to you.
Tax Strategy
- Proactive tax planning
- Tax-aware investment decisions
- Roth conversion analysis
- Business-owner tax considerations
- Equity compensation and tax planning
- Coordination with your CPA
Investments
- Investment strategy
- Portfolio allocation
- Concentrated positions
- Account-level investment decisions
- Tax-efficient investment strategies
- Evaluating investment opportunities in the context of your overall plan
Retirement
- Retirement projections
- Savings strategy
- Retirement timing
- Distribution planning
- Social Security considerations
- Tax-efficient retirement income
Risk & Protection
- Insurance reviews
- Risk management
- Emergency reserves
- Changes in coverage as circumstances evolve
Estate & Legacy
- Estate-planning coordination
- Beneficiary reviews
- Charitable giving
- Family wealth decisions
- Coordination with your attorney
Business Owners
- Owner compensation and distributions
- Business cash flow
- Personal and business financial decisions
- Business succession considerations
- Planning around a future sale or liquidity event
We help carry the work.
This is the biggest difference between One-Time Planning and Ongoing Planning.
With a One-Time Financial Plan, you receive comprehensive advice and take the recommendations from there.
With Ongoing Planning, we stay involved.
That can mean helping you:
- Evaluatea decision before you make it.
- Coordinatewith your CPA, attorney, or other professionals.
- Implementrecommendations when you'd rather not handle everything yourself.
- Monitoryour progress and adjust the plan when circumstances change.
- Answerthe questions that inevitably come up between meetings.
You're still in control.
We're there to make the decisions easier to make — and the follow-through easier to manage.
One financial plan. One place to start when a decision comes up.
Your financial life may involve a CPA, investment accounts, insurance policies, an attorney, a business, and several different financial institutions.
You shouldn't have to coordinate all of those pieces yourself.
I'll work with your existing professionals when appropriate and help make sure the financial decisions being made in one area make sense alongside everything else.
Especially when it comes to taxes, your financial plan and your CPA's work should inform each other.
Who Ongoing Planning is for
Ongoing Planning tends to be a good fit for people who:
- Have a high or variable income.
- Own a business or have significant equity compensation.
- Face financial decisions with tax, investment, and cash-flow implications.
- Have multiple financial professionals or institutions involved.
- Want help implementing recommendations.
- Prefer to talk through major financial decisions before acting.
- Don't want their financial plan sitting on a shelf until the next annual review.
- Value having one person who understands the entire picture.
It's particularly useful when the decisions are becoming more complicated faster than your financial life is becoming organized.
What does the relationship actually look like?
There isn't a rigid quarterly checklist.
Some periods of the year may be relatively quiet. Other periods may involve several important decisions in a short amount of time.
We'll have regular planning conversations to keep the big picture current, but we'll also work together when something important comes up.
That might be a phone call about an equity decision, a tax-planning conversation before year-end, a review of a major purchase, or a deeper planning meeting when your circumstances change.
The goal isn't more meetings.
The goal is better decisions.
Ongoing Planning
Starting at$7,200per year
Your final fee is based on the complexity and scope of your planning needs. We'll agree on the scope and specific fee before services begin.
Schedule a 30-Minute Introductory Call
No documents. No forms. No pitch.
Just a conversation about what's going on and whether an ongoing relationship makes sense.
Common Questions
Ongoing Planning questions.
How is Ongoing Planning different from the One-Time Financial Plan?
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The One-Time Financial Plan gives you comprehensive recommendations and a clear course of action that you can implement yourself.
Ongoing Planning is a continuing relationship. We stay involved throughout the year to help you make decisions, implement recommendations, coordinate with other professionals, and update the plan as your circumstances change.
Does Ongoing Planning include investment management?
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No. Ongoing Planning is a financial planning and advisory relationship. If you also want professional investment management, Wealth Management combines ongoing financial planning with portfolio management.
Do I have to move my investments to Licata Financial Design?
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No. Ongoing Planning does not require you to transfer your investment accounts to us.
Does Ongoing Planning include tax advice?
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We provide tax planning and tax-aware financial guidance and coordinate with your tax professional when appropriate. We do not prepare tax returns or provide legal advice.
How often will we meet?
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It depends on what you need. We'll have regular planning conversations, but the relationship isn't built around a fixed number of meetings. Important decisions and changes in your financial life often determine when we need to talk.
Can I contact you between meetings?
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Yes. That's an important part of the ongoing relationship. If you're facing a meaningful financial decision, I'd rather you reach out before you act than wait until the next scheduled meeting.
Can I start with the One-Time Financial Plan?
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Absolutely. Many people start with a One-Time Financial Plan and decide afterward whether ongoing support would be valuable.
Keep Exploring
Where to go next.
Get Started
Your financial life won't wait for the annual meeting.
Neither should your financial advice.
If you want someone who understands the whole picture and can help you navigate the decisions as they happen, let's talk.
Content should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific situation.
All investments and investment strategies involve risk, including loss of principal. Past performance is no guarantee or indication of future results or performance. Market conditions change continuously.