Goals-Based Financial Guidance

Our team in the SkyOak Wealth Financial Planning Group helps people with financial life planning that includes:
  • Accumulation goals analysis
  • Debt management retirement projections and required minimum distribution analysis
  • Income analysis, including cash flow and budgeting
  • Income tax planning
  • 401k investment allocation analysis*
  • Education planning
  • Real estate acquisition planning
  • Estate planning
  • Succession and Estate Planning
  • Insurance and risk management
  • Disability needs analysis
  • Long-term care funding analysis
  • Social Security optimization
  • Stock option analysis
  • Business/employee valuation analysis
  • Business continuation analysis
What is Goals-Based Guidance?

Goals-based guidance is a continuous process we use to help our clients define, pursue and achieve their financial life goals. Goals based planning is made up of four main components: (1) Analyzing a client’s current financial situation, (2) Establishing their personal goals, (3) Simulating historical returns to determine the optimal investment and saving strategy, and (4) Dynamically monitoring and adjusting course along the way as dictated by life events or financial changes.

How can Goals-Based Guidance help you?
  • Goals-Based guidance takes much of the guesswork and stress out of investing, and helps you stay on track to achieve your personal financial goals. It answers questions such as “exactly what will I need to do to get to my ideal retirement and at what age?”, “What will happen to my portfolio if the market goes down like it did in 2008?”, and “How can I fully prepare for funding my child’s education without sacrificing my own retirement?”.

  • Goals-Based Guidance helps you set and maintain your course toward attaining what is most important to you.  You will leave each meeting with a clear understanding how you are progressing toward your goals and what adjustments (if any) are required.  If adjustments are necessary, your SkyOak Wealth advisor will explain all of your options to you.

Visualize and Understand

Know what impact each decision makes on your overall financial plan, in clear and concise terms.

No more guessing

Once you have your goals based plan in place, all financial decisions and their effects on your overall financial picture can be modeled so you are then empowered to make informed decisions about your financial future.

Know Where You stand

You will always know where you stand relative to achieving your life goals

Take a more global view of your financial picture.

Goals based investing takes into account all of your holdings and investments in one easy to understand format. You may be surprised to learn that your total portfolio investments are riskier than need be or overly conservative.  We can advise you on how to structure your investments across all account types and asset classes to optimize the achievement of your goals.

• Goals-Based Guidance is the ultimate asset aggregation tool, giving you one place to see your total net worth, overall financial picture and how all your assets interplay with the achievement of your goals.

• Goals-Based Guidance acts as a financial life compass enabling you to travel safely toward your goals while making well-informed course adjustments along the way as markets fluctuation and personal life changes occur

• With Goals-Based Guidance, we can show you how different variables interact to influence the achievement of your goals

What are your life goals?
Speak with one of our planning experts
Contact Us