Financial Planning

Comprehensive Financial Planning

At Centura Advisors, LLC, we believe that financial success is not a matter of chance; it's a result of careful planning, informed decision-making, and expert guidance. 

We understand that your financial future is a journey, and we are here to help you navigate it with expertise, dedication, and a personalized touch. Our planning service is designed to empower individuals and families like yours to achieve their financial goals, secure their future, and enjoy piece of mind. 

Financial planning is of paramount importance for individuals of all income levels, not just the ultra-wealthy. It serves as a compass guiding us through the financial journey of life, helping us make informed decisions, set realistic goals, and choose the best course of action for attaining them. Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan helps you make the most of available resources.

By utilizing financial planning to meeting your short, intermediate, and long-term financial aspirations, you'll be better equipped to navigate unexpected challenges, embrace opportunities with confidence, and ultimately, to control your financial future. 


Why Choose Us?

  • Expertise: Our team of experienced financial advisors brings a wealth of knowledge and industry insights to the table. We stay abreast of the latest financial trends, tax laws, and investment strategies to provide you with the most up-to-date and effective financial guidance. 

  • Objective Advice: We are committed to putting you first. As an independent firm without proprietary products, we are true fiduciaries - only recommending products that are in your best interest. 

  • Close-Knit Environment: As a small firm, we are able to establish and maintain deep, interpersonal relationships with each and every one of our clients, providing a level of attention and care that larger institutions simply can't match. With us, you are much more than another account number. 

  • Tailored Solutions: We believe that one size does not fit all when it comes to financial planning. Your goals and aspirations are unique, and we create customized financial plans that align with your specific needs, whether it's retirement planning, college savings, estate planning, or investment management 

  • Comprehensive Approach: A true comprehensive plan goes beyond the realm of just saving, budgeting, and investing; it considers every element of your financial picture. We take a holistic approach to ensure that every aspect of your financial well-being is considered. Our planning services encompass a wide range of areas, including:

    1. Cash Flow Management - analysis of budgeting, pension & social security strategies, & debt management to help you effectively manage your cash flow 

    2. Investment Management - ongoing monitoring of asset allocation & diversification to help mitigate risk while building wealth

    3. Education Planning - strategies & vehicles for funding education needs

    4. Retirement Planning - strategies to help ensure your assets outlive you & provide adequate income in retirement

    5. Risk Management - life, disability, & long-term care analysis to be sure you're covered in any scenario

    6. Tax Planning - aim to minimize your tax burden to preserve your wealth

    7. Estate Planning - planning for the transfer of wealth to the next generation, according to your wishes (strategies for using trusts & LLCs, presence of wills & power of attorney, charitable gifting, etc.)

    8. Business Planning - we look at your financial status as both an individual and a business owner to design a strategy that benefits your entire identity, not just one aspect (navigating new ventures, succession strategies, employee benefits, etc.)


Our Financial Planning Process

  1. Initial Consultation: We begin with a comprehensive discussion to understand your financial goals, values, and priorities. This initial consultation is an opportunity for you to get to know us and for us to understand your unique financial situation

  2. Data Gathering & Analysis: We collect and analyze all relevant financial information, including your income, expenses, assets, liabilities, and current investments. 

  3. Goal Setting: Together, we define clear and achievable financial goals. Whether you aspire to retire early, fund your child's education, or buy a new home, we help you set realistic objectives. 

  4. Financial Plan Development: Based on the information gathered and your goals, we develop a personalized financial plan. This plan outlines the strategies and steps necessary to help you achieve your financial aspirations.

  5. Implementation: We work closely with you to implement the recommended strategies, whether it involves adjusting your investment portfolio, setting up retirement accounts, or creating a debt reduction plan. Through foresight, encouragement, and professionalism, we’ll make sure each step of your plan is implemented.

  6. Regular Monitoring & Adjustments: Financial planning is not a one-time event; it's an ongoing process. We continuously monitor your plan's progress, as well as your evolving financial circumstances. Through regular plan reviews, we consult with you to adjust your plan as needed to ensure you stay on track to meet your goals. 

Book an initial consultation with one of our financial professionals to take the first step in bringing your financial goals to life.