FAQs

YES! Would you drive from California to New York without directions or guidance? We believe that everyone needs to have a Financial “Roadmap.” Planning for the future can be complex and disciplined investing over time can be difficult. Often investments are only considered with thinking about Financial Planning. However, it might be better to consider Investments-ONLY as an “Investment Plan.” This common mistake may lead to performance chasing or looped into the fear/greed cycle. Only focusing on investments may lack consideration of your true needs.

Our clients find value in the creation of a financial plan in the following ways:

1. Getting and Staying Organized: A financial plan can help you keep track of your income, expenses, assets, and liabilities in one place.
2. Clear financial goals: A financial plan can help you identify and prioritize your financial goals, whether it's saving for retirement, paying off debt, or buying a home.
3. Budgeting: A financial plan can help you create a budget that works for your income and expenses. By tracking your spending, you can ensure that you're living within your means and not overspending.
4. Saving: A financial plan can help you identify areas where you can save money, whether it's by reducing unnecessary expenses, increasing your income, or investing in long-term savings vehicles.
5. Investing: A financial plan can help you identify investment opportunities that align with your risk tolerance and financial goals. While not guaranteed; by creating a diversified investment portfolio, you can potentially earn superior returns while reducing risk.
6. Debt management: A financial plan can help you create a plan to pay off debt and avoid high interest charges.
7. Retirement planning: A financial plan can help you determine how much you need to save for retirement and how to invest those funds to maximize returns.
8. Build Wealth: A financial plan can help you create an investment strategy that aligns with your risk tolerance and financial goals, potentially leading to greater wealth over time.
9. Make more informed decisions: A financial plan can help you make informed decisions about your finances, including how much to save, how much to invest, and how much to spend.
10. Prepare for the unexpected: A financial plan can help you prepare for unexpected expenses or emergencies, such as a job loss or a medical emergency.

Accountability & Objectivity! Almost nothing that has been accomplished to a great degree was done in isolation. Athletes have coaches, Students have teachers, & CEOs have a Board of Directors. The point is having a trusted Advisor in your corner has the potential to help move towards your goals and purpose. “If you want to go fast, go alone. If you want to go far, go together.” – African Proverb

Here are 6 ways working with a Financial Planner may be able help:

1. Goal setting: A financial planner can help you identify your financial goals and create a plan to achieve them. This can include short-term goals, such as paying off debt, as well as long-term goals, such as saving for retirement or buying a home.
2. Budgeting: A financial planner can help you create a budget that works for your income and expenses. They can help you identify areas where you can reduce expenses, increase income, or allocate funds more effectively.
3. Investment management: A financial planner can help you create an investment strategy that aligns with your risk tolerance and financial goals. They can help you diversify your portfolio, monitor your investments, and adjust your strategy as needed.
4. Retirement planning: A financial planner can help you determine how much you need to save for retirement and create a plan to achieve that goal. They can help you make informed decisions about when to start taking Social Security benefits, maximizing your retirement income, and managing risks, such as inflation or market volatility.
5. Investing: A financial plan can help you identify investment opportunities that align with your risk tolerance and financial goals. While not guaranteed; by creating a diversified investment portfolio, you can potentially earn superior returns while reducing risk.
6. Tax planning: A financial planner can help you minimize your tax liabilities and optimize your tax situation. They can help you identify deductions and credits you may be eligible for, make strategic contributions to tax-advantaged accounts, and create a plan to manage your tax liabilities over time.
7. Risk management: A financial planner can help you identify potential risks to your financial well-being, such as disability, illness, or premature death. They can help you create a plan to manage these risks, such as purchasing insurance or creating an emergency fund.

Overall, working with a financial planner may help you achieve your financial goals, reduce financial stress, and make informed decisions about your money. They can provide you with  guidance and support, helping you navigate complex financial decisions and plan for a secure financial future.

No. We will work with you to transition any existing investments in a tax-aware manner that do not meet our guidelines and retain those in your portfolio.

Let us take a complimentary no-obligation look. We can quickly help you to determine if your portfolio is properly aligned to your feelings towards risk and goals. Click HERE for a short questionnaire that will help with your portfolio risk assessment.

We will prepare a fee analysis detailing your current fees and expenses. We require a copy of your most recent monthly or quarterly statement to prepare your analysis.

Please see our PRICING page for current information on working with Crescent Capital Planning

We are a firm that believes in being “INclusive” and not “EXclusive” and that everyone deserves access to professional advice. We DO NOT have an investment minimum and have established a pricing structure that allows us to grow with our clients.

Let us take a complimentary no-obligation look. We can quickly help you to determine if your portfolio is properly aligned to your feelings towards risk and goals. Click HERE for a short questionnaire that will help with your portfolio risk assessment.

Yes! Chris Blodgett has been awarded the Accredited Investment Fiduciary® designation from Fiduciary360 (fi360), an organization offering training, tools, and resources to promote a culture of fiduciary responsibility and improve the decision-making processes of fiduciaries. The designation signifies knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care. The designation is the culmination of coursework and examination. Furthermore, Chris Blodgett is an Investment Advisor Representative (IAR). Working with advisory clients, he must act in the clients’ best interests and provide investment advice in the clients’ best interests.

Being independent allows us freedom in the recommendations and services we can make. Limitations such as only using one platform, selling proprietary offerings, or restrictions on whom we can work with hinder our ability to give the best advice.