Let our comprehensive planning process create accountability and help meet your goals.

Holistic planning refers to the process of crafting a customized financial roadmap that clarifies a path to reach goals, pursue passions, or optimize decisions involving finance, health, family, or legacies. While it’s impossible to reduce it to a one-size-fits-all formula, developing a holistic plan typically involves four distinct steps:

Phase 1: Financial Discovery

In the financial discovery phase we conduct a detailed audit of your entire financial picture. Goals and objectives are discussed and then we examine your current strategy to determine if planning gaps exist.

Phase 2: Prioritization of Values and Strategic Planning

In the second phase of holistic planning we do a deeper dive into what constitutes your core values. We then coordinate this with your current situation to develop a framework for effective strategic planning.

Phase 3: Strategic Resource Management

In the third phase, we finalize a strategic plan that optimizes the resources you have forecasts what’s to come and assigns a priority for effective execution of the strategy.

Phase 4: Implementation and Ongoing Monitoring

The final phase calls upon us to be a professional catalyst to implementing your plan. Our team guides you every step of the way until the plan is completed. As the dynamics of the plan change over time ongoing professional monitoring allows us to make anticipate adjustments to stay on course.

Create a meaningful income stream in a low interest world. In personal wealth management there are distinct phases of money management that each individual goes through as they grow.

Growth or Accumulation Phase:

This is the largest and easiest phase to navigate. Returns are driven by consistency, diversification, and time.

Preservation or Pre-Retirement Phase:

This phase occurs within 10 years of retirement. It involves the gradual de-risking of a portfolio and a greater emphasis on developing foundational or income driven assets.

Distribution or Retirement Income Phase:

This phase is the most challenging as it requires your portfolio to recreate a significant portion of your income without the benefit of time. It is here that the use of a qualified professional can add significant value.

Part of what makes income distribution planning so challenging is there isn’t a roadmap or a one size fits all solution to utilize. Everyone must navigate unmarked path where many of the benefits that were available during the growth phase of planning (i.e. 401K match, company benefits) aren’t available.

Also, risks are heightened in the income distribution phase. Without the luxury of a long time horizon sequence risk can wipe out half a life time of work through poor timing. Also, longevity risk threatens he stability of many retirement nest eggs.

Cantrill Financial Group LLC specializes in addressing the unique risks and challenges that exist in income distribution planning. If you have a current need for income or our about to change the strategy for your current portfolio, don’t do it alone. Reach out and let us help serve your needs first.

Congratulations on being a small business entrepreneur! As a fellow business owner, I believe we are the backbone of what makes America thrive, but everyday we are faced with unique challenges and risks that we must navigate, mitigate, or outsource to grow. At Cantrill Financial Group LLC (CFG) our firm is well positioned to be a resource and council for your company. Here are examples of the types of services we could assist with the depending on the state of your company:

Start-Up Phase: “Take-off”
As a former special advisor with North Texas Enterprise Center. CFG has helped dozens of companies start up and plants roots in Frisco. Common discussion topics include:

• Entity formation analysis.
• Banking, cash flow, and credit line considerations;
• Accounting and operations;
• Initial hiring and retention strategies.

Growth Phase: “Stand-out”
As a growing company, CFG will help you create, manage, and implement tools to retain talent, manage taxes, or navigate geopolitical risk. Common tools include:

• Design and manage an effective 401K, defined benefit, or profit sharing plan;
• Comply with fiduciary responsibilities under 404©, or testing rules and 5500 requirements;
• Retain top talent through creative incentive and bonus structures;
• On call council that keeps you aware of meaningful tax reform and proactively discusses options for positive change.

Exit Phase: “Leave on Your Terms”
CFG helps business owners design a flexible exit plan that maximizes value for the owner and the timing of the implementation process. This could include:

• Implementing an effective buy-sell agreement among business partners;
• Designing a legal structure to minimize tax upon a sale to family;
• Creating a transition plan that facilities the promotion of a key employee to future owner;
• Or taking steps to list the company for sale and maximize sales price to the company.