Financial Planning

Helping guide you towards financial health and an understanding of your future.

What should you gain from financial planning?

CLARITY

CLARITY

of your financial circumstance, objectives and strategy.
FOCUS

FOCUS

to accomplish your objectives.
EMPOWERMENT

EMPOWERMENT

to make more informed decisions for yourself and your family.
TIME

TIME

to devote to other aspects of your life.

The Key Areas of Your Financial Life

The development of your financial plan will help you define your objectives and goals and will provide you with structure, direction and focus across the key areas of your financial life. These are common planning questions to think about when looking at important aspects of your financial life.

Lifestyle

Goal Planning

  • What are your 12 month, 5, 10+ year goals?

  • Are you on track to achieve them?

  • Who holds you accountable for these goals?

Financial Fitness

  • Does your income support your lifestyle

  • Are you optimizing your benefits at work?

  • What is your net worth?

Family

  • How much should I be saving for college?

  • How do you teach the value of money?

  • Will your family be taken care of?

Longevity

Retirement Planning

  • What does retirement mean to you?

  • How much money do you need to retire?

  • When can you comfortably retire?

Investment Strategy

  • Is your strategy aligned with your goals?

  • Are you taking too much risk? Not enough?

  • Are your investments performing efficiently?

Tax Planning

  • What are my tax savings opportunities

  • Does a tax deferral make sense?

  • Should you use a health savings account?

Legacy

Execute Intentions

  • Are you protected should something happen?

  • What documents do you need in place now?

  • What do you want your legacy to look like?

Protect Wealth

  • How much do you need for emergencies?

  • What is an adequate amount of insurance?

  • Is there a business succession plan?

Charitable Giving

  • How can you give efficiently?

  • How do you support your community?

  • What organizations does your family value?

The Financial Planning Process

Establish the Relationship

Determine how you will work with your advisor and discuss expectations for the process.

Gather Data

Clarify goals and provide statements, policies and other financial information to help your advisor understand your finances.

Analyze Your Situation

Combine your advisor’s understanding and insight with advanced financial planning software to determine suitable and practical options for your personal circumstances.

Develop and Review Recommendations

Understand the probability of success and potential challenges of your current path, as well as the changes that can be made to better position you to attain your goals.

Implement Solutions

Work with your advisor to apply recommendations, which may include adjustments to your asset allocation, savings, strategy, tax planning, insurance structure, philanthropic vehicles and the anticipated timeline of life events.

Monitor and Update Progress

Monitor your progress and incrementally update aspects of your personal financial plan to reflect more recent data, including (but not limited to): investment returns, life events and amendments to previous goals.

Natoma - What Do You Think About

What do you think about when you contemplate your future?

We encourage our clients to articulate their ideal futures in terms of their individual near- and long-term goals, their family’s goals and the legacies they want to leave. What we’ve found is that whatever their goals, their finances are an essential component of their larger picture.

What we at Natoma Wealth do for you as an advisor is develop personalized, thoughtful and comprehensive financial plans that clarify your present finances and future objectives to provide actionable strategies to help achieve your vision. Our collaborative process enables you to define your financial objectives while we integrate cash flow and tax considerations, savings needs, insurance protection, estate, legacy and philanthropic objectives into your customized blueprint for action.

We cherish the conversations to get to know you and your vision as if it were our own, and take pride in our fiduciary duty to provide solutions aimed at achieving the future you dream of.

  • ORGANIZATION

  • ACCOUNTABILITY

  • OBJECTIVITY

  • PROACTIVITY

  • EDUCATION

  • PARTNERSHIP

Contact Natoma Wealth

We are committed to helping our clients navigate different

  • Life stages throughout the financial journey

  • Life events that you may experience on your ride

  • Planning topics that can come up along the way

CONTACT OUR TEAM
Natoma - White Logo

157 Parkshore Drive
Folsom, CA 95630

Office: (916) 287-0128
Fax: (916) 244-7168
Toll free: (888) 338-7150

Legal & Privacy
Web Accessibility Policy

Form Client Relationship Summary ("Form CRS") is a brief summary of the brokerage and advisor services we offer.
HTA Client Relationship Summary
HTS Client Relationship Summary

Securities offered through Hightower Securities, LLC, Member FINRA/SIPC, Hightower Advisors, LLC is a SEC registered investment adviser. brokercheck.finra.org

© 2026 Hightower Advisors. All Rights Reserved.