our services

 
investment advisory services
We invest funds for our clients on a Fee-Only basis and advise as to types of accounts you should hold. We always consider ways to maximize tax benefits and advantages for you and your loved ones. We also help you determine how much you’ll need to save to reach your future goals while advising you on ways to live your best life - now!

 

We work with the following types of investment accounts and advise you on what is appropriate for your situation:

  IRA – Roth, traditional, SIMPLE, rollover, conversions

  401(k), 403(b), 457, SEP, etc. – financial planning clients have access to advice on accounts that are currently held with their employers

  General investments (non-IRS qualified) – We typically invest in no-load mutual funds which I personally choose according to your preferences, risk tolerance, age, and other factors. I monitor client accounts and re-balance investments as I determine necessary.
 
 
company-sponsored plans
We handle business plans such as SIMPLEs, SEPs, and 401(k)s. We will meet with your employees and explain the plans, the investment options (focusing on no-load mutual funds), and answer questions. Employees have access to us to answer questions, discuss investment strategies, and to learn more about retirement, education, estate, and insurance planning.
 
Employers: If you already have a company plan, we work hard to make changing providers smooth and speedy. We will supply employees with the forms to fill out and meet with them to get the correct paperwork. Then, we'll handle the rest of the transfer from our offices.
 
We are a Fee-Only firm, which means we do not charge commissions or sell products - your interests are aligned with ours. Our fee schedule has more information. 
 
 
 
financial planning
Are you living a life of meaning and purpose? How do you get from where you are to where you want to be? Financial Planning done the Milestones way will give you a plan and accountability. When Financial Planning is done by a Registered Life PlannerTM , YOU are the client, not your MONEY. While preparing your financial plan, we begin with a discussion of what you really want out of life before we look at budgets and numbers. Once we have a good sense of your ideal plan for living, we then incorporate it into your financial plan.
 
We've prepared some information to help you understand more about what you can accomplish with financial planning done right!
 
Would you like to learn more about the way we do Financial Planning at Milestones? This FAQ sheet answers a log of our clients' questions.
 
When you undergo Financial Planning at Milestones (sometimes referred to as Financial LIFE Planning), we start by crafting a Torch Statement for you (similar to a personal mission statement). This plan is truly meaningful because it incorporates more than your money. It is built around your hopes, dreams, and plans for the future. To see actual Torch Statements for husband/wife clients, click here. We craft your personal Financial Plan around the information in this statement.
 
To see other forms we use at Milestones and learn more about our business, click on "Forms and Information" on the left-hand bar.

 
 
personal financial overview
Think of this as “Financial Planning” Lite. The fee for this service is $750 for singles, $850 for couples. The process is as follows:
  Pre-meeting document review by Johanna
 
  Two – three hour meeting to discuss issues and options

  A list of recommendations and action points for you to implement
  A follow-up meeting in 30 to 60 days
 
 
hourly consultation
Maybe you’re looking for specific advice and do not need an ongoing relationship with a CERTIFIED FINANCIAL PLANNER™. Rates are $150/hour with a minimum of one hour. Examples of areas in which clients seek assistance are:
  Assessing your risk management (insurance) coverage and making recommendations
 
  Assessing your options regarding your severance/retirement package
 
  Estate planning, including review of your will(s) and meeting with your attorney (references to competent attorneys available) 
 
  General investment overview and recommendations for restructuring
 
  Debt analysis and recommendations
 
  Budgeting assistance and cash-flow management
 
Milestones Financial Planning, LLC is registered as an Investment Advisory firm under the laws of the state of Kentucky.
 
 
Milestones Financial Planning, LLC
907 Paris Road, Suite B
Mayfield, KY 42066
 
 270/247.0555
FAX 270/247.2080
©2010 Milestones Financial Planning, LLC. All rights reserved.