Project-Based Financial Planning

Lattice Financial offers financial planning on a project basis for those who do not wish to engage an advisor on an ongoing basis.  This works best if you have a specific area you need help with and do not want ongoing investment management or ongoing financial planning.  A set fee will be agreed upon at the beginning of the project so you know exactly how much you will be paying. 

Comprehensive Financial Plan

A Comprehensive Financial Plan will organize your whole financial picture and bring all aspects of your financial life into a cohesive plan.  You will have a clear plan of action to confidently achieve your goals.  The plan will cover projects listed below and more as needed.  

Retirement Planning

You will know whether you are financially prepared for retirement.  This will include an analsysis of your income, expenses, and assets to ensure that you are able to fund retirement.  We will also review your health care expenses and plans for covering them. 

Investment Planning

We will build an investment plan that is appropriate for your ability, willingness, and desire to take risk.  It will be tailored to your objectives and designed to keep costs low and reduce taxes.  You will have actionable steps to implement the plan yourself.  

Tax Planning and Strategy

We will review your tax returns and investements for any inefficiencies. We will also discuss planned charitable giving and contributions (or withdrawals) from retirement accounts.  You will have a clear plan to meet your objectives in a tax efficient manner.  

Education Funding

We will review the likely cost for attending different schools and the expected family contribution.  We will also review different ways of saving for college and develop an efficeint plan tailored to your family’s needs. 

Student Loan Analysis

We will help you organize your various student loans.  We will then develop a plan to address them that considers consolidation options and loan forgiveness programs.  You will have a plan that provides a clear path forward and considers your other goals.  

Real Estate Analysis

We will review your property and how it fits with your overall financial goals.  The analysis will consider cash flows, risks, tax efficiency, financing, and alternatives.  You will have a clear pictur of how your real estate fits with your financial goals and actionable steps you can take to improve the chances of meeting those goals.

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Lattice Financial, LLC is an Investment Advisor registered with the State of North Carolina. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or the completeness of, any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication’s conclusions.  Please contact us at 704-812-7252 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from Lattice Financial with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, www.LatticeFinancial.net. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.