Fee-Based Strategic Planning

Benjamin Franklin is famous for saying
““If You Fail to Plan, You Are Planning to Fail”.

When you think about finances, regardless of your age, it’s important to think about where you are and where you want to be. Your personalized vision of your financial future lies at the core of every strategy. The more detailed that vision, the more that can be done to make it a reality.


At Thornwood Financial we help you create and clarify that vision. Through our decades of experience with drafting and implementing customized financial plans for our clients, we know what questions to ask to help your vision take shape and the vehicles that can be utilized to help you get there.


Each person is unique so we believe each plan should be unique. Once your future vision is clarified, we build a step-by-step roadmap to help get you there. The goal of every plan is to reach the destination in a safe a manner as possible. Risk is necessary in investing and inherent in every plan that requires investment returns to achieve goals. Using various financial vehicles and strategies, we look to mitigate that risk without sacrificing the realization of your vision.


As we incorporate the financial vehicles to take you on your journey, we build in benchmarks (expectations) to help us track the progress and make sure plan remains on track over the years to come. We like to meet with our planning clients multiple times a year to address any new developments in their lives and to make sure the plan is still consistent with their goals. If things in your life change, our team will work with you to revise your plan accordingly. We tell clients we are not in the investment business; we are in the financial confidence business. Our goal is to provide you with the knowledge and tools to help give you the financial confidence necessary so you can enjoy your journey and know that somebody experienced is here to help guide you. We are familiar with your long-term road map and always keep an eye on the path ahead.


One of the important factors of any retirement plan is its steward. We at Thornwood Financial take that responsibility seriously and understand that the advice we provide will have long term impacts on your financial future. For us, financial guidance is a calling, not just a job. We strive to ensure all interactions are consistent with our core values and that every client receives the attention and respect they should expect from their financial advisor.

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Active portfolio management, including market timing, can subject longer term investors to potentially higher fees and can have a negative effect on the long-term performance due to the transaction costs of the short-term trading. In addition, there may be potential tax consequences from these strategies.  Active portfolio management and market timing may be unsuitable for some investors depending on their specific investment objectives and financial position. Active portfolio management does not guarantee a profit or protect against a loss in a declining market.

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