Financial Planning

We act as a dedicated financial planner in San Diego committed to helping you make better financial decisions. The better the decisions, the more likely you are to reach your financial goals. We are here to act as your financial partner and counselor.

Whether you are saving for retirement, building a real-estate portfolio, or just starting out, the principles are the same. How you earn, spend, and save your cash-flow will determine your future financial lifestyle. We are here to help you establish and maintain your financial goals.

We approach financial planning in a very scientific, data-driven way. We use a cash-flow based financial planning process to determine the best course of action you should take. When determining the different possible outcomes, we rely heavily on comparing different possible scenarios.

Because no two financial plans are alike, we like to create "what-if" scenarios for our clients. "What if I retire at the age of 55 instead of 60?" "What if I rent out my primary home instead of selling it?" By running several different scenarios, we can determine which factors drive your financial plan.

5 Stages of Financial Life

5 Stages of Financial Life | Bull Oak Capital

A comprehensive financial plan should be at the core of any long-term investment plan. Whether it’s generating retirement income, transferring wealth, or leaving a charitable legacy, your goals come first. Investing isn’t only about growing your portfolio. It’s also about aligning your portfolio with your specific life goals.

Life Events

One financial stage that typically occurs throughout life are those that often occur with little-to-no notice. These life events often include career changes (resulting in a 401k rollover and consolidation), having children, a death in the family, and divorce. All of these have a financial impact and knowing how to effectively handle these can greatly impact your financial future.

Whether you are just starting out, selling down, entering midlife, near retirement, or enjoying retirement, a solid financial plan is invaluable.

Scenario-Based Planning

Because we us a cash-flow based financial planning process, a lot of effort is spent on creating a base-case scenario. However, this effort does not go unrewarded. Once we build the base case, we can then create alternative scenarios.

We believe that the true value of the financial planning process is for the client to see the different options available to them and the consequences of each. Therefore, we create several different scenarios based on their financial goals. Common scenarios include: What if you downsize and rent your home out instead of selling it? What if you send your kids to a private school instead of a state school? What if your spouse passes early? What are the consequences if you save $X/month instead of $Y/month? These are very difficult questions to answer if one does not factor in all of the other variables in one's life. We firmly believe that the best way to answer them is to implement a scenario-based approach.

Once all of the scenarios are built, we can then understand the factors that drive the successful scenarios. And by understanding these factors, our clients can begin to make sound financial decisions with confidence.

Financial Planning Process

San Diego Financial Planner - Planning Process | Bull Oak Capital

The Financial Planning Process is a four-step process that is designed to get you on-track. Keep in mind, there is no extra cost for our clients to go through this process. While no two plans are the same, the steps taken to experience a successful planning experience are the same. Our goal is to not only show you the path to financial success, but to also act as a guide to help you achieve it.

Questions We Can Help Answer

1. How much money should I be saving?  
2. When can I retire?  
3. Should I open a 529 college savings account for my children? How much should I be saving into these?  
4. When should I file for Social Security?  
5. Should I purchase investment properties?  
6. I have a pension. Which annuitization option is best?  
7. How should I consider medical costs during retirement?  
8. What is the most optimal tax-saving strategy?  
9. Plus others  

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