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What is Comprehensive Financial Planning?

Comprehensive financial planning is more than asset management and investment allocation, instead it should serve as the foundation to your life journey. Financial planning can establish your reason, create intentionality and address the “why” before the “what” or the “how”. To do that, your financial plan should identify what’s important to you and plan for potential headwinds that you may face as you pursue your passions.

Our advisors and CERTIFIED FINANCIAL PLANNERS™ (CFP) work with you to identify opportunities and address concerns as we build a robust financial plan. We use advanced software and other tools to track how likely you are to reach your financial goals and offer recommendations when there is room to improve. This reduces anxiety caused by economic ups and downs and gives you confidence that you’re on the right track regardless of what is happening around you.

Our emphasis is in our team-based approach to financial planning. With experts in each of the complex areas of financial planning on staff lending their expertise, combined with innovative and user-friendly technology we utilize, the planning process is interactive, flexible and ever-evolving. Our financial planning process provides a foundation and roadmap for how to carry out your everyday lives. 

Why Should You Have a Financial Plan?

Create Intentionality

Focus on establishing your life goals and how to make your money work for you.

Overcome Obstacles

Address your concerns and expectations for all stages of your journey.

Identify Threats

Identify the things that could pose a threat to your personal finance goals and how to manage them.

Become Informed

Understand what it means to make your money work for you.

Be Empowered

Empower yourself by becoming more educated and in control of your financial journey.

Find Confidence

Feel confident your custom financial plan will guide you toward a better, more secure future.

Our Financial Planning Six-Step Process

Step 1: Establish the Relationship

We will clearly define our responsibilities to you and the services we will provide.

Step 2: Get Organized

We will work with you to gather necessary documents, define your personal and financial goals, as well as your needs and priorities.

Step 3: Prepare Financial Plan

Our planning team will work with you as we use your information to create an actionable plan.

Step 4: Presentation of Financial Plan

We will sit down with you to review your financial plan, making any adjustments before implementation to ensure your plan aligns with your life goals.

Step 5: Implement Recommendations

After you take time to review your plan, we will sit down and provide you with the tools to help you reach your goals.

Step 6: Monitor Progress

Financial planning is fluid and should be reviewed and revised as life happens. We will continue to support you on your journey, hold you accountable and ensure your plan remains current as changes occur. 

The Value of a Financial Plan

Meet our Financial Planning Team

Summit uses a unique approach to financial planning. Rather than our financial advisors being the start, middle, and end point for developing and delivering a written financial plan for our clients, we depend on an entire financial planning department. The financial planning department is led by our Director of Financial Planning, Nicole Davis, and has dedicated planners who work alongside our financial advisors to create a custom-tailored plan, specific to each client's unique financial goals.

Nicole Davis

Nicole Davis

Director of Financial Planning Services


Josh Oller

Josh Oller

Financial Planning Services Associate

Follow the links below to learn more about each of the financial planning services we offer.

Retirement Planning

Together, we sit down and understand how you want your money to work for you during retirement, and map out a strategy to get you there.

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Business Advisory Services

If you're a business owner, we can assist with more than just personal financial planning, we also offer tax planning, accounting services and a host of business consulting services to help your business reach its fullest potential.

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Investment Management

Managing your investments is an integral part of our service to you. We don't try to beat the market; we come up with a strategy that minimizes risk while putting you on the best path towards your financial planning goals.

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College Planning

College planning is an exciting time in one's life journey. It’s also a significant investment, that should pay dividends for years to come. Find out how we help individuals plan for this long-term investment.

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Tax Planning

Tax planning is necessary for business owners and individuals alike. With the ever-changing, and complex tax code, trusting the experts who know your financial situation to develop a tax plan for you is not only wise, it’s well-advised!

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Risk Management

Risk management means looking at your overall financial picture, identifying potential vulnerabilities and hedging against those risks. 

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Cash Flow Analysis

We review your cash flow patterns to ensure that you are on track to meeting your financial goals. If your spending habits increase, we discuss how the changes impact your overall financial plan.

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Lifestyle Coaching

We take the time to understand who you are as a person, who you hope to be, and what you hope to accomplish while you are on this Earth. Financial planning starts with understanding your priorities and your desired lifestyle.

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Estate Planning

Estate planning is complex, especially when it comes to wealth transfer. Our philosophy is a personal approach: What sort of legacy would you like to leave behind, and who do you wish to positively impact when you pass away?

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