Services
Financial Planning
Before offering advice, we develop a comprehensive financial plan to assess the client’s requirements. A financial plan is a comprehensive strategy designed to help an individual, family, or business achieve specific financial goals by managing income, expenses, assets, and liabilities over time. It serves as a roadmap for making informed decisions about saving, investing, spending, and protecting wealth.
Investments
We develop your plan utilizing a variety of vehicles. Some of the key factors to consider include but not limited to the following:
Investment Objectives
- Primary Goals: Capital growth, passive income, wealth preservation, and tax efficiency
- Time Horizon: Long-term (10+ years), with some mid-term goals (3–5 years)
- Risk Tolerance: Moderate to high, given your financial background and long horizon
Insurance
A sound insurance strategy protects your financial plan by managing risks and providing security for you and your family. This section outlines essential coverage areas and action steps to ensure comprehensive protection.
Life Insurance
- Purpose: Protect dependents from income loss in the event of death.
- Recommended: Term life insurance with coverage equal to 10–12x annual income.
- Review policies for adequacy every 3–5 years or after major life events.
Tax Preparation
Tax planning is a critical component of your financial strategy. Proper tax preparation can help minimize liabilities, maximize deductions and credits, and align tax actions with overall financial goals.
Annual Filing Strategy
- File early to reduce identity theft risk and ensure accurate return processing.
- Use a CPA or tax software to maximize deductions and ensure compliance.
- Review past returns for missed deductions or carryforwards (capital losses, charitable contributions, etc.).
Legal Coverage
Whether you become a client or not, we recommend and offer Legalshield. LegalShield is a legal services provider that offers subscription-based access to a network of attorneys for individuals, families, and businesses. For a monthly fee, members receive legal assistance without paying hourly rates.
Why Work With
Critical Mass Financial?
We’re not a call center or a robo-advisor — we’re real people helping real people. Based locally, we’re dedicated to providing clarity and confidence in every financial step.
Veteran-Owned & Operated
In-Person, Personalized Service
Chfc® Certified Advisor
