A successful financial plan encompasses the client's priorities, risk tolerance and resources into a set of
recommendations that best achieves the client's goals.  An initial no-obligation consultation is offered to
help clarify the client’s needs and see if Pebble Valley Wealth Management would be a good fit.  A
comprehensive financial plan should address the following.

Retirement Planning and Income Strategies including amounts to save before retirement and
withdrawal strategies during retirement.  Projections of expected income and expenses from various
sources including Social Security, retirement savings and pensions will be considered.

Education and Other Special Goal Planning considering the tax advantages of 529 plans and an
appropriate asset allocation for the different time horizons.

Insurance Management to determine the amount and type of coverage in a cost-effective manner.  
Pebble Valley Wealth Management is not a licensed agent but the Principal holds an individual insurance
license for clients who prefer not to work with an additional insurance professional.

Investment Management focusing on an appropriate asset allocation using diversified funds and helping
the client understand the risk and reward trade-offs.

Estate Planning and Wealth Transfer, which consider legacy and charitable desires in a tax efficient
way.  

The client can choose to have a comprehensive plan prepared as a stand-alone service for a one-time
fee or combine the plan with ongoing investment management for an annual fee based on a percentage
of the assets being managed.