Why Do You Need Financial Planning?

Working hard for decades to build financial security doesn’t mean all your challenges are behind you. A financial plan acts as a roadmap for your short- and long-term financial goals. It identifies what you own and what you owe, and presents strategies and solutions on how you can support your lifestyle now and throughout the rest of your life.

The financial advisors at Dechtman Wealth Management are able to identify risks you hadn’t thought of, find ways to protect and build your wealth, minimize your taxes, and ensure you have proper estate planning.

What You Can Expect

Our state of the art software will give you a comprehensive view of your entire personal financial picture. Listed below are a few of the tools we incorporate into your customized financial plan:

  • Retirement Planning Services: Our Denver team provides a retirement income analysis that includes optimizing Social Security, pensions, and investments. Additionally, your portfolio will be stress tested to help ensure your money lasts as long as you do.
  • Tax Planning Services: We provide an illustration of optimal withdrawal strategies, combining the sequence of withdrawals from taxable, tax deferred and tax-free accounts. In addition, we estimate your tax liabilities in order to reduce your overall tax bill.
  • Budgeting and Debt Management Services: We provide budgeting, cash flow management, and debt reduction analysis to ensure you’re getting the most out of your money.

You’ll also have the ability to aggregate your investment accounts so you can seamlessly monitor your assets in an organized fashion. You’ll likely feel more comfortable and confident knowing where your money is at all times.

How We Can Help

Our team of experts, which includes CERTIFIED FINANCIAL PLANNER™ professionals, will design a personalized financial plan that evaluates your current financial situation and implement a strategy to help you achieve your life goals and retirement planning. 

We provide regular reviews and modifications to your customized financial plan as you experience life transitions or your goals change to make sure it is current and dynamic. With a clearly defined, thoughtful plan, you are given an actionable blueprint of how to achieve your goals. Our friendly and knowledgeable financial advisors will assist you through every step of the process to make sure you’re on track to meet your financial goals.