Ilan Cuellar, CFP®, PPC™, CPFA

(281) 815-4108 ext. 1011

Hourly Consulting Program

Hourly Consulting is a flexible and affordable option if you are seeking sound financial guidance delivered in a deliberate, goal-oriented manner.  You get as much assistance as you need, when you need it throughout your life.  The program is simple: you have a problem or task, we charge a one time fee to help.

The more you are able to understand and manage your wealth, the more prepared you are to achieve your goals and dreams.  But managing your financial future is a complex process that involves careful consideration of your short- and long-term goals.  The Hourly Consulting Program through LPL Financial provides a great method to ensure that your chosen path becomes the focus of your financial strategy.

Hourly consulting services include specific financial problem-solving and consulting in areas that are somewhat different than the services offered through traditional, comprehensive financial planning.  As evidenced by the range of the following services, there are many potential situations in which we can provide valuable, targeted services.  The costs for hourly consulting are based upon an hourly rate, which is fully disclosed in a written engagement agreement depending on your needs.

You get essential financial guidance in those areas that are most important to you:

Asset Allocation

Many investors have assets in company retirement plans or in other investment plans that for whatever reason we are not currently managing.  We can provide a thorough analysis and comprehensive review of your asset allocation strategy to help you better plan your long-term goals.  Some examples include analysis and research on your current investments, risk tolerance analysis, diversification reports, investment policy statement development, stock option planning, etc.

Business Planning

Receive professional advice on a variety of topics, including succession planning, entity planning, retirement plan analysis, group benefits evaluation and cash management.  We can provide valuable advice for navigating these areas.  If you have not recently reviewed the benefits offered to your employees, you may be shorting the company as well as the participants.  Some examples include cash flow discussion, retirement planning, succession planning, financing strategies, business use of insurance discussion, business transfer techniques, etc.

Education Planning

There are a variety of savings vehicles specifically tailored for education that can help you work toward your funding goals, including 529 plans and Coverdell Education Savings Accounts.  By starting a disciplined savings plan now, you will be in a position to address your children's education needs in the future.  Some example areas we can help are discussing qualified tuition and college savings plans, college costs, inflation and individual needs analysis, development of funding strategies, financial aid strategies, gift tax limits and trust usage strategies for education funding, etc.

Estate Planning

We can help beneficiaries set up estate accounts, determine date of death values and handle asset transfers on behalf of beneficiaries.  When your family is meeting the challenges that accompany the loss of a loved one, we can relieve your stress by assisting with your family's financial matters.  Some areas we can help include general estate tax education and guidance, general trust and estate planning document guidance, estate planning and gifting strategies, guidance on sources of estate liquidity, guidance on ownership titles and titling of assets, review the impact of account and trust beneficiary designations, etc.

Debt Management

For many individuals, debt management has often been overlooked.  If debt management is of concern to you, let us help ensure that you are properly managing the liability side of your balance sheet.  Some areas we can help include creation of personal or business budget, explain various components of cash flow, emergency fund planning, savings strategies, debt management strategies, personal financing strategies, etc.

Goal Planning

Addressing specific concerns in a focused manner can clear the path for greater progress.  We can help you implement a strategy for one or two core goals and track your progress, making necessary adjustments as needed.

Cost Basis Tracking

Investors often find that they have incomplete cost basis records of the assets they own due to long term buy and hold strategies, generational stock transfers, mergers, acquisitions or stock splits.  As a result, arriving at an accurate cost can be difficult.  We have access to a securities pricing database that can be used to track doesn historical prices of many individual securities on any given day throughout the past decades.

Purchase Analysis

If you are contemplating making a major purchase for personal or investment reasons, we can help you analyze the details of the transaction and how the transaction may impact your long-term goals, based on various price and value change scenarios.

Special Situations Planning

Life altering events demand the proper attention when it comes to planning.  Some areas we can help are helping guide your finances through divorce, disability, job loss, monetary windfall, etc.

Addressing all of your financial goals and objectives at once may seem intimidating or make them seem unattainable.  Hourly consulting services from an LPL Financial advisor can help you stay on track with a disciplined approach to your goals, as well as help you keep pace with changes in your personal circumstances and legislation that may affect your financial situation.

Contact us today to get a quote on any project!