Our wealth management experience

With more than 20 years of solid wealth management experience, we use a strategic investment approach that is focused upon and changes with each clients’ unique goals, risk tolerance, and income needs as well as changes in the broader world economic picture.

Investment strategies

Once the goals, time frame and risk tolerance around the money being invested is made clear to all,  then a portfolio is created and recommended to the client.  It can include all major and minor asset classes, The amount of the portfolio that any given asset class uses is set for the long term strategy Ongoing management provides for  short term or tactical changes to adjust for changes with either or both client needs and economic changes.

Investment philosophy

At Flournoy Wealth Management, we are dedicated to providing personalized investment strategies that align with the unique financial picture,  life goals and risk tolerance of our clients. Our approach emphasizes long-term growth through diversified asset allocation, ensuring your portfolio is well-positioned to navigate market fluctuations. We prioritize transparent communication and regular portfolio reviews, adapting to changes in your financial situation and the broader economic landscape. Our commitment to fiduciary responsibility means we always act in your best interest, striving to optimize returns while managing risk.

Research

Using the highly respected, independent research department of LPL Financial and Morningstar is a key part of our due diligence when selecting investments for our clients.

Investments

• Mutual Funds (Index and Managed)

• Exchange-Traded Funds (ETFs)

• Stocks

• Bonds

• Alternative Investments

• Annuities

• CDs

Fees

Fees are agreed upon based on the investment platform and size of account(s) under management, and client relationship. Our annual advisory fees range from .65%-1.25%.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss.

Pam’s personal story — widowed at age 43, raising her young children in Silicon Valley — compels her to make sure that women get real advice in order to make wise decisions about their financial lives.

Plenty of people want to tell you that after a divorce or death – you’ll be okay financially. You want to believe it. But guess what – it may not be true. Much depends on making wise financial decisions. A promising future requires that you get in the game on your money. Let’s say you’re married to the love of your life. Or, you think you’ve just gotten the best divorce deal of the century. Unless you really know your family’s finances and know the limits and opportunities of your money picture, your situation might not be what you think it is.

We are here to help successful women and their families work towards a stable and favorable financial picture.

Flat-fee Financial Planning

Our firm, Flournoy Wealth Management LLC, provides women and their families with independent and customized financial planning services. In plain English, we strive to answer your concerns and questions about your present and possible future financial picture. We’ll provide you with a report that shows you the numbers and, we will include recommendations for all aspects of your financial life. You can choose to use this information and implement the recommendations on your own. Or, we would be happy to help implement those steps with you.

The financial planning process

The financial planning process involves getting to know you from an information-based perspective – what do you own, owe, earn and spend? And then from a values and goals perspective – who and what do you care about? What do you want to have happen in your life? We’ll make recommendations based on this information and, by scenario forecasting into the future. If Plan A doesn’t work, we can help you decide which steps you might take that will enable you to pursue your goals.

The steps are as follows:

1) Goal setting
2) Data gathering
3) Information and analysis
4) Presentation with observations and recommendations
5) Implementation
6) Monitoring and follow-up

Comprehensive financial planning includes:

Comprehensive financial planning
Current financial position
Cash flow
Retirement planning
Tax Planning
Risk management
Education planning
Stock option strategies
Stock concentration strategies
Estate planning
Post divorce planning
Investment asset allocation

Fees:

Financial Plans range from $4200-$10,000.

Why divorce financial planning?

For most people, divorce is one of life’s most difficult and wrenching events. You feel the shocks personally and financially. It’s easy to feel like things are spinning out of your control.

As a result of divorce, you’ll often be required to make a series of big decisions that can have long-term consequences. Even people who are financially sophisticated need specialized guidance during a divorce.

As a Certified Divorce Financial Analyst, I can help. I can offer you the support, education, and financial planning knowledge you’ll need to make the most suitable decisions regarding your financial future. I will help you gain clarity over the many decisions you have to make.

Making informed decisions

Together, we’ll gather all the information we need to clarify your choices and provide creative strategies to help you meet your family’s needs, post-divorce. We’ll begin with creating your Declarations and Disclosures for Assets & Debts, Income & Expenses. Next, we create a clear Property Allocation Statement which shows in a clear, concise way—the ownership of each piece of property and each debt. We’ll explore and we will nail down your current income and expenses. Then, we’ll work on projecting the future as much as possible, using models for different scenarios.

Do-it-yourself

The central focus of my divorce financial planning practice is to work with couples who can work together with honor to divide assets and share income, if needed. They are not at war with each other but want to move forward out of the marriage.

DIY divorces can be done efficiently and cost effectively with our help.

Our process

• Gather, analyze, and illustrate the family’s financial picture.

• Compile and review the family’s current cash flow.

• Prepare a cash flow analysis – Income, Support, and Expenses.

• Run models of scenarios of possible settlement agreements.

• Analyze the tax consequences of proposed settlement options.

• Perform an income analysis of income producing and non-income producing assets.

• Examine your retirement issues, including Social Security benefits.

• Examine your insurance coverage and needs.

• Meet and discuss along the way.  Look at the various options for division of assets and income sharing. Model in software to clarify financial impact for settlement decisions.
  

Post-divorce

Guide you through the new financial life – simple or complex.
Provide investment management and education.

Safeguarding your financial future goes beyond building wealth — it’s about safeguarding your family, lifestyle, and legacy. Our risk management solutions are tailored to help you address life’s uncertainties with confidence.

• Life Insurance
  Life insurance provides financial security for your loved ones, ensuring they are cared for in the event of your passing. We offer a range of options, including term, whole, and universal policies, designed to meet both immediate and long-term needs.

• Disability Insurance
  Your ability to earn an income is one of your most valuable assets. Disability insurance protects that income by providing a reliable source of funds if illness or injury prevents you from working.

• Long-Term Care Insurance
  Long-term care insurance helps cover the costs of extended care services, whether at home or in a facility, protecting your savings from the high costs of aging and ensuring you receive the care you deserve.

• Asset and Income Preservation (Variable & Fixed Annuities)
  Annuities provide a dependable income stream, better positioning you from the risk of outliving your assets. We offer both variable and fixed annuities, tailored to meet your specific retirement income needs and risk tolerance.