Personal Financial Planning Services
Real financial planning happens where money and values intersect. WorthyNest® guides parents through important financial decisions so they can save more money, invest wisely, and give generously. We are fee-only fiduciaries who ALWAYS put your best interest first.
One of the keys to reaching financial goals is understanding your money-related mindset. We use tests based on over 40 years of research to help you identify your financial strengths and challenge areas.
Your behaviors and experiences impact long-term financial success. That is why we listen to your concerns and collaboratively create a long-term family financial plan.
Goals-Based Financial Planning
Are you looking for a trustworthy advisor who puts you first? WorthyNest® fits the pieces of your financial puzzle together, working closely with you toward customized solutions.
Goals-based financial planning is a process, not a destination. Clients receive consistent, reliable advice when it matters most.
Money does not define you but is instead a tool to accomplish your objectives. Plan on meeting approximately four or five times in the first year of our professional relationship and two or three times annually thereafter.
Financial Planning Concepts
Retirement Preparation
How do inflation, Social Security income, and Medicare enrollment impact your long-term retirement plan? We help you on the path towards financial independence, a time when you no longer have to work for pay.
Tax Planning
What are the tax implications of a Roth IRA conversion? Does asset location impact taxes? WorthyNest® founder and lead advisor Deb Meyer is a seasoned tax expert, having started her career in Deloitte’s tax department. Learn why tax planning is such a critical component of finance.
Tax-Efficient Distribution Strategies
After years of hard work, you’re ready to retire. Is it best to take money from brokerage, traditional IRAs, Roth IRAs, or 401k plans? Each type of investment account has different tax implications, so we carefully guide you through distribution decisions.
Investments
When will you need to draw on investment accounts, and how much risk can you take in the meantime? WorthyNest® provides both traditional and faith-driven investing strategies. Learn more about investment management services here.
Insurance Analysis
What amount of life, disability, and long-term insurance do you need? We will connect you with an independent insurance agent if a coverage change is merited. Additionally, we guide early retirees through health insurance decisions until they are eligible for Medicare.
College & Education Funding
Would you like to send your kids or grandchildren to private grade school or high school? WorthyNest® goes beyond college funding and analyzes other education needs, too.
Cash Flow Management
Are you living within your means but unsure which financial goal to tackle next? We will establish a new cash flow plan for your family or tweak your existing one and continue monitoring it.
Charitable Giving
How can you maximize dollars going to charitable organizations, especially in the event of a business sale? We are well-equipped to answer your questions on giving vehicles such as donor-advised funds.
Estate Planning
What happens if you are disabled or no longer living? Creating a legacy is key. We’ll work with your existing estate attorney or recommend a new one to ensure your estate documents are updated and accurately reflect your wishes.
Employee Benefits
Health, disability, and life insurance benefits can be confusing. We explain acronyms like HSA, FSA, and HDHP. Alternatively, we advise entrepreneurs on employee benefits that will attract and retain top talent.