A Financial Coach for our Clients
Our clients come to us – and stay with us – because they want a comprehensive, individualized financial plan that incorporates all aspects of their finances. They want to understand the process and be actively involved in reaching their financial goals. Clients appreciate that the IRC Wealth team is their personal financial coach, providing guidance for all financial decisions and adjusting the plan as needed.
Our approach requires client involvement as, together, we review savings, investments, debt and risk. Most clients come to us with assets of $250,000 or more, though this varies by individual. Regardless, they all share a desire to have control of their financial future and achieve their goals.
While our clients come from many different backgrounds, a significant number fall into one of these categories. Perhaps you can relate to one or more.
Near-retired is not an age, but a frame of mind. If you are within 10 years of when you want to retire, now is the time to make sure you’re on track to reach it. Often, a near-retired hasn’t worked with a financial planner before or you’ve been disappointed in the relationship. You may have socked money into 401ks and other retirement accounts, but you haven’t taken a comprehensive look at the impact debt, spending and saving has on how fast you’ll reach your goal. Our wealth management coaching helps you to ensure your retirement is worry-free.
A significant number of IRC clients are women, typically single or divorced professional women. Our approach to planning, saving, and reducing debt resonates with women. You tend to be more receptive to our strategy of creating an individualized plan and following it. You also appreciate the collaborative, personal financial coaching aspect of our process, and the resulting success.
As a Certified Divorce Financial Analyst® (CDFA), David Ragland understands the issues when dealing with divorce, regardless of where you are in the process. IRC Wealth helps clients get their lives back on track by helping them create a new financial plan for their post-divorce reality. We also work with clients and their lawyers before and during divorce negotiations so they are better prepared as they prioritize the options.
Financial success for most business owners is to sell the business. While that’s the ultimate goal, we review all aspects of your finances, advising you on how to diversify your assets while making your company as strong as possible. David Ragland’s experience as a CFO allows him to provide strategic insight into the relationship between your personal financial goals and your company’s goals. And when you’re ready to sell the business, his experience in that area is invaluable as well.