Our Services

The Process

The financial planning process at Plenaris Advisory® begins with an in-depth assessment of your current financial situation, which entails identifying what your financial objectives are and then developing the appropriate solutions to achieve your objectives.  Once the plan is in place, we will assist you in implementing the plan.  It is a collaborative process that requires open discussions and engagement on the part of all participants.

The planning process essentially follows the steps as laid out by the Certified Financial Planner Board of Standards in its document entitled “Code of Ethics and Standards of Conduct,” effective October 1, 2019 that govern the practice of financial planning, as follows:


Step 1.  Understanding the Client’s Personal and Financial Circumstances.

Step 2.  Identifying and Selecting Goals.

Step 3.  Analyzing the Client’s Current Course of Action and Potential Alternative Course(s) of Action.

Step 4.  Developing the Financial Planning Recommendations.

Step 5.  Presenting the Financial Planning Recommendations.

Step 6.  Implementing the Financial Planning Recommendations.

Step 7.  Monitoring Progress and Updating.

Plan Components

The focus of any financial plan is dependent on the individual needs of our clients.  Since different clients would need different services, our financial planning services are primarily fee-based according to the specific needs of our clients.

Our comprehensive financial planning service includes the following major components:

  1. Financial planning:
  • Money management
  • Investment planning
  • College planning
  • Insurance planning
  1. Tax planning:
  • Tax free investments
  • Retirement savings
  • Charitable planning
  • Wealth transfer beyond estate tax
  • Qualified long term care premium deductions
  • Children and education tax credits
  • Business deductions
  1. Retirement planning:
  • 20-30 year retirement
  • The risk of relying on social security
  • 10-12% Guaranteed lifetime income on retirement savings
  • Tax-free retirement income
  • Moderate investment risk during retirement years
  • Healthcare as a major budget item
  • Long term care planning
  • Don’t forget about taxes
  • Are you asking these questions about retirement
  • Strategies for a successful retirement
  1. Estate planning:
  • What is estate planning
  • Why do you need an estate plan
  • When should you have a plan
  • What’s in the plan
  • What are the most important issues for an estate plan
  • The do's and don't's of Estate Planning

Each client can specify which type of planning he or she would like to focus on.  Our experience has been that most clients would elect more than one component for their financial plan that addresses their individual concerns.

Up To Date Research

All plans are based on the most up to date industry information that guides the planning process.  The financial field is constantly changing and can be highly complex.  Our job is to filter all the information through to an actionable plan that serves the needs of our clients.  Accordingly, the planning process at Plenaris Advisory has a strong education component to ensure that clients are fully informed of the various aspects of their custom financial plan.

Clients and readers are encouraged to refer to the extensive educational materials in the Resources section of this website.