SeaClear Financial Planning
Comprehensive Financial Planning
  • Cash Flow Analysis
  • Debt Management and Budgeting
  • Insurance & Risk Management Planning
  • Private and College Education
    Planning
  • Investment Management
  • Tax Planning
  • Retirement Planning
  • Estate Planning
If you feel our comprehensive financial plan may be right for you, please contact us to schedule a complimentary meeting.

More Information

Our Process

Our Comprehensive Financial Planning Process consists of the
following six steps:


1. Establishing and Defining the Client-Planner Relationship
Our highly personal approach begins with an initial free consultation in our office, please contact us by phone at 732-580-8039 or email ktrageser@seaclearfinancial.com to schedule an appointment.  At this meeting we will review your Introductory Confidential Questionnaire which can be found under our Client Resources Tab.  During this 45 minute meeting we will review the services we will provide to you and define both our and your responsibilities. We will explain what you can expect from us, review a sample plan and discuss our Fee-Only compensation structure.

2. Gathering Client Data and Goals
Once you have decided to become a client, you will enter into our Comprehensive Financial Planning Agreement and complete our Comprehensive Financial Planning Client Questionnaire and the Risk Tolerance Questionnaire which can be found under our Client Resources tab.  Once those documents have been submitted to our office along with the necessary documentation required, we can begin your comprehensive financial plan.

3. Analyzing and Evaluating Your Financial Status
Once all your information has been received we will then begin the process of analyzing all the specific details pertaining to your current financial situation.  After carefully reviewing your goals we will perform a thorough review of your cash flow, insurance policies, retirement plans, investments, estate documents, and education plans. We will then determine what you must do to meet the clearly stated financial goals.  

4. Developing and Presenting the Financial Planning Recommendations
A written personal confidential comprehensive financial plan along with an implementation checklist will be completed and presented to you over the course of two meetings approximately 2 hours long. 

5. Implementing the Financial Planning Recommendations
Implementation is crucial to achieving your financial goals. Sea Clear Financial Planning will assist you with the implementation of the plan at no additional charge for a period of one (1) year.

6. Monitoring the Financial Planning Recommendations
As part of the initial agreement we will work with you for the remaining year to implement and monitor all phases of your plan based on your implementation checklist.  If you choose to move forward as a Sea Clear Financial Planning Retainer Client, we will begin to incorporate our extensive investment management services into your plan.


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