Welcome to New Leaf Financial Planning
Do you remember how you first learned about money? Perhaps it was a childhood experience of receiving an allowance, opening a savings account, or the satisfaction of earning a first paycheck. Our attitudes and preferences are often rooted in early experiences such as those.
Are you a “save it for a rainy day” kind of person? Does “spend it if you have it” better describe your practice? Or is yours a “buy now and pay later” approach? The bigger question is “Can you name your financial priorities and are you on track to accomplish them?”
For some, money is a mystery. If comes and goes, but never stays with us. Many of us lack mentors or guides who can introduce key concepts for success or identify important pitfalls to avoid. It is important to find someone you can trust who is willing to place your interests first!
Whether you are simply unclear about short-term goals, or would value a conversation about reaching your financial dreams, a few consultations with a money coach could be exactly what you need. When you are ready for a deeper analysis of your financial situation and a detailed plan that can put you on the right path toward financial success, New Leaf can help with that as well!
At New Leaf Financial Planning we understand that one needs to:
Invest
as well as to Save
Plan
as well as to Dream
Monitor
as well as to Implement
We begin by listening to your goals and concerns. We take time to learn about your resources, risks, and obligations so that your financial plan matches your priorities and capabilities, with a goal of providing a clear path forward to the financial future you have in mind.
Our Team
Jay Marshall
CERTIFIED FINANCIAL PLANNER
CRD# 6854107
Helping prepare for the financial future you desire is the primary objective of New Leaf Financial Planning. Jay Marshall, CFP® will work with your goals in mind to develop a plan that your resources can support. As a Quaker minister and former seminary dean, Jay thinks deeply about the financial stresses and realities that face most of us. He helps clients meet these challenges by turning over a new leaf in their approach to money and debt.
Jay began investing as a young man while still a graduate student. He made his first mutual fund investment less than a month before the October 1987 market crash so learned early the value of not over-reacting to market volatility! He experienced the cold hard truth that individuals usually need big bank accounts in order to receive attention and service from investment advisers. In working with graduate students and ministers, he observed their frequent need for basic knowledge with regard to income, debt, and investments. Experiences like these are a major reason Jay now offers money coaching and financial planning services.
Services
New Leaf Financial Planning offers flexibility to its clients. Would you benefit from a knowledgeable conversation partner to help sift through and clarify your values, goals, and opportunities? Or are you at a point in life where thoughtful analysis and planning is a priority? Are you a do-it-yourself kind of person who prefers to oversee your plan once you have it in hand? Would you prefer an approach where someone else implements a plan to which you have agreed? New Leaf offers each of those options.
Good coaching starts with focused listening to the issues at hand. Good planning begins with an honest assessment of cash flow, debt levels, and net worth. From that point, clients’ needs will vary. We are prepared to develop plans that encompass investments strategies, risk management, income tax planning, education planning, retirement planning, estate planning, and more.
Services are provided on a fee-only basis.
Budget and Cash Flow Analysis
Calculation of Insurance Needs
Saving and Investment Strategies
Model Portfolio Recommendations
Retirement Planning
Our clients can choose between three options:
Money Coach
Money coaching begins by listening to your story. It seeks to understand your dreams, your situation, your dilemma. It will help illuminate your preferences and habits. With this option New Leaf will assist you in focusing on specific questions or help you begin to understand the larger landscape of money as it relates to your life. If a full financial plan seems overblown for you at this stage of your life, consider the money coach option as a way of addressing current questions or determining next steps in your financial future. Money coaching is available at a rate of $75 per hour.
Financial Foundation Plan
This option includes a tailor made plan designed specifically for you. It will include as few or as many of the basic areas of financial planning as you desire, and will provide a foundation from which you can begin to implement and monitor your plan. The cost for the Financial Foundation Plan is billed at an hourly rate of $200, with a minimum of $500. Any services provided beyond the original plan would be billed at an additional hourly rate charge. This option is best suited for those who prefer a “hands on” approach to their finances.
Financial Accompaniment Plan
This option includes the development of the Financial Foundation Plan and will assist you in the implementation and monitoring of your plan on an on-going basis. For those who are uneasy managing finances or uninterested in the details, this option may be right for you.
The Financial Accompaniment Plan includes:
– Development of Financial Foundation Plan
– Annual performance report/review
– Semi-annual portfolio review and re-balancing analysis
– Updated financial planning projections
For an $800 initial fee and $100 per month retainer fee, let New Leaf Financial Planning accompany you along the path to a stronger financial future.
You can begin by scheduling an initial conversation at no charge to determine if New Leaf Financial Planning is a good match for your needs.