Financial Planning

CB3 Financial Planning is a analysis approach that allows you to create simple or complex financial scenarios based on financial events throughout your lifetime. Working with you, we create scenarios based on your current financial status and expected (or unexpected) future financial events. Our system shows you a possible scenario(s) and displays the effects of “life events” (college costs, vacation home, long term-care need) on your net worth throughout a selected time span. The output is displayed in a text format and graphic format that shows the yearly effects on all your accounts, including investment, tax free, retirement, asset and equity accounts. The output may also be presented with bar, line and pie graphs.

Net Worth: John & Joan - Initial Evaluation Scenario

The Net Worth graph illustrates the amount of your assets, including savings, investments, retirement accounts, and personal assets, less liabilities such as mortgages, loans, credit card balances, etc.

Assets		$992,130
Ordinary income accounts	$4,578
Investment accounts	74,849
Retirement accounts	287,703
Personal assets	625,000
Less Debts		($548,329)
Net Worth		$443,801

Annual Expenses

The amount of monthly income needed for retirement can increase dramatically when inflation is considered. The above graph illustrates the impact of inflation on your desired income by showing annual expenses in today's dollars as well as the same items adjusted for inflation.

Total Capital Available

Our program also has a comprehensive Monte Carlo Analysis and a Historical Return Analysis included to measure your future risk.

Monte Carlo Simulation Results