What does comprehensive financial planning cover?

Comprehensive financial planning is a documented plan that lines up your targets with income elements, spending, savings & debt and tax decisions. You get priorities and timelines as well as specific actions so you can decide what to do first.

Our professionals tie this work to the tax return and cash flow for the numbers to line up.

Who is this part of our CFP services built for?

It is the correct service when you need a full-picture plan rather than advice on a single account. Clients, in general, come in during life transitions or when they feel stuck. The groups in the following scenarios might benefit from such service:

• Planning for a major change — new job, move, family growth, business sale
• Want to lower money stress by setting a simple plan they can stick with
• Having several accounts & need a single direction
• Prefer decisions that take after-tax results into consideration — not just "best case" projections

What will a CFP financial planner ask in the discovery session?

Our professionals start by learning the important areas; then we collect the facts that influence the calculations. These are the types of questions we leverage to custom-build holistic financial planning:

• Your top targets & ideal retirement lifestyle
• Upcoming life changes that could influence your plan
• Income and recurring bills along with everyday spending patterns
• Debts — rates, terms and payoff priorities
• Retirement & investment accounts you already hold
• Who relies on your income
• Your risk tolerance & your potential reaction to market drops
• Current coverage & gaps for insurance planning
• Whether you have basic estate documents in place

How does the comprehensive financial planning process work?

Our team obtains a five-step workflow: setting scope, gathering data, testing scenarios, presenting the plan, then supporting follow-through as outlined below:

1. Setting the scope — defining the decisions you want to make in the next 6 to 18 months
2. Gathering data — statements & benefits and the tax documents that impact planning
3. Building scenarios — testing trade-offs leveraging the real cash flow
4. Presenting the plan — recommendations in plain English with "take this action next" steps
5. Supporting follow-through — we present assistance in ordering actions and setting checkpoints

Where does tax planning show up in the plan?

Tax-efficient planning is woven into the roadmap for your choices to work with the filing reality. We generally look at items like these:

• Withholding & estimated payments to prevent surprise balances due
• Retirement contribution timing & income timing
• Capital gains decisions when you sell investments or property
• Giving strategies that have the potential to improve after-tax outcomes

What do you receive at the end?

Clients receive a roadmap they may use and revisit covering summary plus the details behind it. The outputs may be listed as follows:

• A one-page priorities sheet
• A cash-flow snapshot with a few targeted adjustments
• A decision checklist linked with the tax year
• A funding outline for education planning
• A risk review that locates coverage gaps
• A dated action set to keep momentum

How is this distinct from a planning chat?

This comparison highlights the distinction in depth.

What should you bring to the first meeting?

• Latest income information
• Last year's tax return/key forms
• A rough list of monthly bills & general spending
• Statements for retirement and brokerage as well as savings accounts
• Insurance & benefits summaries

How do you get started with Dimov Audit?

If comprehensive financial planning is the missing dot in your financial life, reach out to us to schedule a CFP conversation. Our professionals will confirm the scope and explain what to send, then set a transparent next action.

If you are interested in our other CFP services, you can visit the pages below:

• Retirement planning
• Investment strategy
• Estate planning coordination
• Overall wealth-management

FAQs