Who We Serve
Educators and Public Sector Employees
My skillset is readily available to assist anyone in need of financial planning services. Those who are likely to benefit the most from my expertise are individuals employed in the public sector. I possess comprehensive knowledge and experience in navigating the intricacies of the Wisconsin Retirement System (WRS) and effectively integrating pension considerations into our holistic planning approach.
Small Business
Larger corporations frequently prioritize the financial wellness of their employees by providing it as a valuable benefit through their workplace retirement plans. Recognizing the significance of this, I am dedicated to extending the same service to small business owners who genuinely prioritize their employees' financial well-being, all at an affordable cost.
Generation XY
As someone who falls on the older side of the millennial generation, I have a deep appreciation for the needs of this cohort, which is often overlooked in the financial services community. It's vital to recognize that individuals or couples without investable assets still have pressing financial concerns. This is where our flat-fee, subscription-based approach comes in, providing invaluable support in addressing these questions and bridging the gaps in their financial plans.
The JBY Approach
Structuring your financial life can be intimidating, and that's completely understandable. We pride ourselves on using a collaborative process to truly understand and accomplish our client’s goals, ensuring that every step is taken with their best interests in mind.
Get Organized - Let’s work together to discover the current location of your finances and gain insight into where your money is being allocated. Moreover, let's ensure that crucial legal documents like wills, trusts, and insurance papers are not only drafted properly but also securely stored and readily available when the need arises.
Look ahead/Define your Journey - Before embarking on any journey, it is essential to have a clear understanding of the destination. It is not just about knowing where the journey will conclude, but also delving into the underlying reasons and motivations that drive our clients' decisions. Understanding the "why" behind their choices is crucial in providing effective financial planning that truly aligns with their goals and aspirations.
Research opportunities for Improvement - This is the crucial moment where our analysis meets real-world application, and we provide you with our carefully considered recommendations. I want to assure you that I am committed to maintaining a non-judgmental and empathetic approach, ensuring that the advice I provide is rooted in belief that it serves your best interests.
Implementation - We develop comprehensive action items and strategically put the financial plan in place, ensuring that each task is clearly defined and assigned. We are committed to identifying responsibilities and are dedicated to bringing in additional outside resources if necessary. Our meticulous approach includes closely monitoring and tracking progress every step of the way until successful completion is achieved.
Monitor -The wise philosopher Michael G. Tyson once said, “Everyone has a plan until they get punched in the face.” While Tyson may not have intended this in the context of financial planning, the essence of his words resonates deeply in this sphere. Life is volatile, and circumstances often change unexpectedly. As financial planners, we understand the importance of flexibility and adaptability in the face of these unknowns. It's crucial to have a solid plan, but it's equally important to be prepared to adjust that plan when life throws its inevitable curveballs.
Repeat - At JBY Financial Planning, we place significant emphasis on this process for establishing and maintaining cash flow, effectively managing risks, overseeing investments, strategizing for tax planning, conducting comprehensive estate plan reviews, and delving into many other crucial aspects of financial management. We prioritize revisiting these processes at least once per year to ensure their continued alignment with our clients' evolving goals and circumstances.