Financial Planning
Financial planning services designed for individuals, families, and executives with complex financial lives can help you build that thoughtful approach.
Professional Financial Advisors Understand that Wealth is Personal
Your financial life reflects years of decisions, sacrifices, and successes. Yet as your wealth grows, so does the complexity—tax implications become more nuanced, investment options multiply, and the weight of making the right choices can feel overwhelming.
- Perhaps you’re juggling multiple accounts without a cohesive strategy, uncertain whether your current approach aligns with where you want to be in ten or twenty years.
- Maybe you’re wondering if you’re taking on too much risk—or not enough—to reach the goals that matter most.
- Or you find yourself asking whether your wealth is structured in a way that minimizes taxes, protects what you’ve built, and positions you to leave the legacy you envision.
Financial planning isn’t about following a template—it’s about building a strategy as unique as your goals, one that considers not just returns, but legacy, impact, and the life you’re working to create.
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Financial Planning Services Tailored to Your Priorities
Every client brings a different set of goals, concerns, and opportunities. Here’s how we help.
High Net Worth Financial Planning
Individuals and families with substantial assets face unique challenges—from managing concentrated stock positions to coordinating across multiple advisors and entities. High-net-worth financial planning brings sophisticated analysis to complex situations, helping you optimize tax efficiency, coordinate estate strategies, and build a cohesive approach that serves your long-term vision while addressing immediate concerns.
Retirement Planning
The transition to retirement represents one of the most significant financial shifts you'll experience. Retirement planning helps you understand how much you'll need, when you can comfortably make the transition, and how to structure income in ways that support your desired lifestyle while managing tax implications and preserving assets for future goals or heirs.
Life Insurance Review and Optimization
Life insurance serves different purposes at different life stages—income replacement, estate liquidity, wealth transfer, or charitable giving. Life insurance review and optimization analyzes your current coverage against your actual needs, identifying gaps, redundancies, or opportunities to restructure policies in ways that better serve your current situation and future objectives.
Divorce Financial Planning
Divorce brings immediate financial complexity at an already difficult time—asset division, tax implications, support obligations, and the need to rebuild individual financial security. Divorce financial planning provides objective analysis and strategic guidance, helping you understand the long-term implications of settlement options and build a sustainable path forward.
Education Planning
Funding education—whether for children, grandchildren, the community, or yourself—requires balancing current needs with future costs while navigating tax-advantaged vehicles and financial aid implications. Education planning helps you determine realistic funding goals, select appropriate savings strategies, and coordinate education funding with your broader financial objectives.
Discover the Clarity That Comes from Comprehensive Financial Planning
When your financial strategy aligns with your vision, decisions become clearer and your path forward comes into focus.
With the right financial plan, you’ll work toward:
- A unified strategy across your entire financial picture
- Confidence in navigating major life transitions
- A roadmap that adapts as your life evolves
- Alignment between your wealth and what matters most
Our financial planning services help you structure your resources in ways that reflect your values, whether that means strategic philanthropy, education funding, or thoughtful estate planning.
BPM Financial Planning Process: Built on Understanding
Comprehensive financial planning begins with listening, not prescribing. Here’s the financial planning process we use and how we’ll work together.
Step 1: Understand your complete picture
We get to know you—your goals, concerns, values, and vision for the future. What does success look like to you? What keeps you up at night? We explore your priorities, risk comfort level, and what matters most about your wealth.
Step 2: Build your strategic roadmap
We develop an investment strategy and financial plan tailored to your situation, including asset allocation aligned with your risk tolerance and time horizon, tax-efficient structures, and strategies that support your goals.
Step 3: Implement your plan
We help you put your strategy into action—whether restructuring accounts, adjusting insurance coverage, or establishing new investment positions—with clear explanations of what we’re doing and why.
Step 4: Ongoing guidance and adjustment
We meet regularly to review progress, discuss changes in your life or goals, and adjust your strategy as needed. Markets shift, tax laws change, and your priorities evolve—we help you navigate it all.
Ready to bring clarity to your financial future?
Let’s start a conversation about where you are, where you want to be, and how we can help you get there.
Meet our Wealth Management Leaders
NOTE
Securities through Valmark Securities, Inc., member FINRA, SIPC. Investment Advisory services are offered through BPM Wealth Advisors, LLC and/or Valmark Advisers, Inc. a SEC Registered Investment Advisor, with address of 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431, and telephone number +1 (800) 765-5201. BPM LLP and BPM Wealth Advisors, LLC are entities separate from Valmark Securities, Inc. and Valmark Advisers, Inc. Form CRS Link
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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Looking for a team who understands where you’re headed and how to help you get there? Whether you’re building something new, managing growth or preserving success, let’s talk.