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Additional Services

Review your budget, pay off debt, or analyze your employee benefits

At Talents Financial Planning & Wealth Management, we go beyond simply selling a financial product or service. we want to provide help where you need it most. Maybe you (or someone you care about) are not ready for investment management services because you are trying to review your budget and pay off debt. Or, maybe you just want to know which benefits you should be taking advantage of at work or how much to contribute to your employer sponsored retirement plan. We are here to help. There is no commitment, read below to see if you would benefit from any of these services, and give us a call, schedule a time to talk, or pass this information on to someone you think could benefit.

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Budgeting

Dave Baldwin CFP® literally wrote the book on budgeting and we have the tools and resources to help you. Our financial planning software can help you track your spending and view your banks accounts and credit cards all in one place. With categories to help you break down where your money goes, you can see when you've gone over budget, or when have some extra money. We offer seminars and educational events on budgeting to help you design a budget with your goals in mind. Check out our schedule of events here to sign up  

The Balancing Act: Rewriting your financial script

Understanding why you spend is key to aligning your actions with your long-term goals. Whether you're catching up, getting ahead, or balancing income and spending, The Balancing Act offers tools to help you achieve your financial goals. This book is for everyone, regardless of age or income. Like a movie plot, your financial life has had its ups and downs. No matter where you are, be the hero of your story and take control. The Balancing Act guides you step by step to change your financial behavior and rewrite your financial script.

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Design a budget that meets your goals

Budgeting can help you to live within your means, pay down debt, or save for a short term goal

Financial goals generally fall into one of three categories: maintaining a balanced budget and living within your means, getting caught up and paying off any debt that has accumulated from living beyond your means, or getting ahead and saving any left over money to build wealth or pay for something important to you. The simple reality is, that with these financial goals there are only two options, make more or spend less. If making more is not an option, or it's not enough to get you where you want to be then budgeting is the solution.

Maintain Balance

Balancing your budget requires compromising and prioritizing your spending to reduce or eliminate the expenses that push you beyond your income. Living within your means is a key step in accomplishing any other financial goals because catching up or getting ahead are simply a function of adding the cost of those goals as an expense to your balanced budget.

Get Caught Up

if your goal is to pay off debt, you've got to find money within your budget to do that. Deciding how much income to commit, and choosing a payoff order like highest or lowest payment, interest rate, or outstanding balance can affect your motivation and the time it takes to achieve your goal. Having a partner to help you design the right plan, and keep you focused on the goal is where we can help.

Get Ahead

Building wealth or saving up for a big purchase is just like paying off debt. By budgeting and living below your means you can apply the income you have left to your savings goal. This is where automation, compartmentalization, and a variety of other tips and tricks can make this process easier. We can with that, as well as coming up with a plan on how much to set aside, and where to put it while is grows.

Employee Benefits Analysis

Take advantage of the benefits and resources available to you

Starting a new Job with new benefits or even looking for a new job and comparing one set of benefits to another can be overwhelming. We can help by reviewing your options with you, going through the details and helping you to make informed decisions and maximize the benefits available to you. we take a comprehensive approach to understand how your benefits align with your budget and your financial goals.

Knowledge and experience in a wide range of Employee Benefits and options

Health & Wellness Benefits

  • Medical, dental, vision
  • HMO, PPO, high deductible (HDHP)
  • Health Savings Accounts (HSAs) or Flex Savings Accounts (FSAs)
  • Wellness programs (gym memberships, health screenings)


Retirement Benefits

  • 401(k), 403(b), SIMPLE IRAs with employer matching
  • Traditional or ROTH savings options
  • Maximum contributions and After-tax contribution options
  • Pensions, California Public Employees Retirement System (CalPERS) and California State Teachers Retirement System (CalSTRS)

Insurance Benefits

  • Life Insurance
  • Disability insurance
  • Long-term care
  • Accident or critical illness insurance


Investment Benefits & Stock Compensation

  • Employee stock purchase plans (ESPP)
  • Stock Grants
  • Restricted Stock Awards
  • Stock Options

Talents Financial Planning & Wealth Management

  • Service: We believe in serving others and are more than happy to to share our knowledge and experience to answer questions, or get you pointed in the right direction WITH NO OBLIGATION to do business with us.
  • Guidance: We have nearly 20 years of experience in a wide range of financial services, and we want to share that knowledge with people who need and want our help.
  • Holistic Approach: We look at the big picture and offer a comprehensive range of services that cover all aspects of financial planning, wealth management and tax preparation. This holistic approach ensures that all your questions and financial needs are addressed.
  • Ongoing Support: Being a good resource for financial information is not a one-time thing. We are always here when you need us and happy to provide our support.
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