Our desire at Box Financial Advisors is to help you focus on what really matters in life: your plans, goals, and dreams. We recognize the truth that money is not an end in itself, but rather a tool that is to be used to accomplish the life and ministry you desire. So we partner with clients to guide them in wisely stewarding their resources to help them attain this result. This is what we call Financial Life Planning.
To ensure we systematically address your entire financial situation, we have developed the 10 Wealth Stewardship Topics—the most common and crucial matters that clients typically face:
Cash Flow & Debt Management
Wisely managing cash flow is foundational to every other financial goal. We help clients identify their spending habits, good and bad, and develop a spending plan that aligns with their goals. Through this we also prioritize debts to be repaid to reduce and eventually eliminate debt from their lives.
While many of our clients’ goals are decades way, we recognize the importance of planning for unexpected events that may occur along the path. So we make certain appropriate emergency savings, insurance coverages, and risk management strategies are in place to safeguard their future.
Investment opportunities abound not only in the traditional stock and bond markets, but outside these markets as well. As unbiased independent advisors we have the freedom and invest the necessary time to bring these private offerings once only available to institutional investors to our clients. We believe these unique investments will improve the risk adjusted returns our clients experience. For more info click here.
Generosity & Giving
Many of our clients have a desire to give back to the world and their community. We applaud this and are available to help clients identify worthy causes that align with their passions. In addition, we will determine which assets to give in order to be as tax efficient as possible.
We have learned that “retirement” means something different to each client. So we first help clients define what it means to them, and then navigate the myriad of funding options available to develop a plan to make their retirement picture a reality.
It is the desire of every parent that their children are setup for success in life, and education is a foundational element of that. We make certain that clients properly prioritize educational funding and use the most appropriate vehicles to do so given their unique situation.
We believe “legacy” reaches far beyond just the financial resources left behind. More importantly it instills character, principles, and beliefs into future generations. We proactively plan with clients to create windows of opportunity for interaction with future heirs so core values can be imparted. We use money as a tool to create these pockets of time together.
Rarely does a client’s desire align with the state legislated methods for handling their affairs after they are gone. Thus it is critical that we properly execute documents to make sure that guardianship of minors, end of life medical decisions, and distribution of assets are aligned with a client’s wishes.
Business Continuation & Succession
A number of our clients are business owners, and often have given little thought to how the business will endure in their absence. We converse with clients to help define their wishes, identify potential threats, and select from the countless options available to maximize the value of their life’s work.
Every client is unique. This often results in situations that could have an impact on their financial lives that we need to mindful of in planning. Delicate topics such as special needs children, financially dependent parents, or even a future inheritance are encompassed within our plans.
Through our complimentary initial meetings, we develop a roadmap that prioritizes the needs of each client. Then we walk with clients through the execution of each step, making the necessary on course corrections as the events of life occur. Throughout this process, we keep our focus on Financial Life Planning: the wise stewardship of the client’s resources to help them fulfill their ambitions and calling.