Planning : Fimognari Financial | Winter Park, FL


Financial Planning

Stop setting goals. Goals are pure fantasy unless
you have a specific plan to achieve them. – Stephen Covey

As life gets more complex, so do our finances. With children, grandchildren, retirement, large purchases, vacations – what have you – you can feel pulled in far too many directions. What once seemed like a clear path becomes more complicated journey with lots of twists and turns. So to keep moving forward, we suggest you get a map – in the form of a comprehensive financial plan to chart your course.

Why a Financial Plan Makes Sense

First, a financial plan is about developing a realistic and informed perspective on how you can put all of your financial resources to their best use. The process starts by examining and articulating your goals (some that you've already thought about, and some that may not be obvious), and then sorting out your priorities. This can be an excellent opportunity for you and your spouse to step back, rethink and agree on what's most important to you.

Second, a successful financial plan is holistic. It looks at all the interrelated parts of your financial life – income, expenses, investments, retirement planning, the role of insurance and risk management, income tax liability, estate planning needs and desires – to make sure they're all coordinated. This is essential because if you don't have a handle on how much money is coming in and going out every month, it's next to impossible to know how much you can save or if your retirement ready. If you don't have a savings plan, you won't be able to manage your most important goals like buying that bigger home, paying for your children's education, or funding a comfortable retirement without outliving your assets. If you don't have adequate insurance, you may not be able to protect the savings in the face of some unexpected event like a job loss, critical illness or death.

Finally, a good financial plan will include a series of concrete recommendations. Otherwise, your experience remains an academic exercise: interesting, perhaps, but not that useful. The goal of a financial plan, after all, is to make your goals a reality!


All of our services start with a complimentary consult.

Retirement Planning

Visualize your retirement. It’s a time when you can do all the things you love, but you must be financially prepared. Explore how board CERTIFIED FINANCIAL PLANNER™ Paul Fimognari can help you reach the retirement of your dreams, or preserve the retirement that you’re already in.

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Cash Flow Planning

We believe that cash flow planning is the cornerstone of your financial plan. Knowing your numbers will help you best marshal your resources and achieve your goals more effectively. A common fear among those nearing retirement is running out of money. Life expectancy continues to increase, which adds more years in retirement and healthcare costs continue to rise putting many at risk of outliving their assets. Our process is designed to help you maintain your lifestyle throughout your lifetime. It really empowers you to make the right decisions by aligning spending with your values.

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Tax Strategies

Taxes, unlike markets or inflation, are something that we can control. Planning to reduce taxes is an essential piece of your overall financial plan, but tax laws can be complex. Each year millions of people overpay in taxes without even knowing it. Our financial planning process pays particular attention to income taxes, capital gains taxes and more. Helping you lessen your tax burden means more for you and your family to enjoy.

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Estate Planning

Regardless of your level of wealth, the failure to establish an estate plan can be detrimental to your family. A properly structured estate plan helps ensure that your family and financial goals are addressed during your life, if incapacitated, and after your death. Unfortunately, most Americans don't have an estate plan.

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Risk Management

At Fimognari Financial, we believe retirement planning, investment management, and risk management should work hand-in-hand with your tax strategies, and estate planning. That's why we build financial plans to work cohesively, to not only help you build wealth, but protect it as well. We can objectively help you manage the complexity of the insurance industry to help ensure that you get maximum value for your insurance dollars.

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