Frequently Asked Questions

What is Comprehensive Financial Planning ?

Comprehensive financial planning looks at your entire financial life—not just your investments—to create one coordinated strategy for reaching your goals.

It typically includes:

  • Goals and cash flow: Clarifying priorities, budgeting, savings, and debt management

  • Retirement planning: Estimating future income needs and developing Social Security, pension, withdrawal, and Roth-conversion strategies

  • Investment management: Building a diversified portfolio aligned with your goals, time horizon, and comfort with risk

  • Tax planning: Identifying ways to improve tax efficiency now and in retirement, in coordination with your tax professional

  • Insurance and risk management: Reviewing life, disability, long-term-care, health, property, and liability coverage

  • Estate and legacy planning: Reviewing beneficiaries, account ownership, trusts, charitable goals, and wealth-transfer strategies with an estate attorney

  • Education and major-purchase planning: Preparing for college, a home, business needs, travel, or family support

  • Ongoing monitoring (Optional): Updating the plan as markets, tax laws, family circumstances, income, and goals change

The key distinction is coordination. For example, an investment decision can affect taxes, retirement income, Medicare premiums, estate goals, and cash flow. Comprehensive planning considers those connections before recommending a course of action.

Based on complexity, the comprehensive planning process can take between 2-3 weeks for completion.

What is Modular Financial Planning ?

Modular financial planning focuses on one or several specific financial needs instead of examining your entire financial life at once.

Common planning modules include:

  • Retirement-income planning

  • Social Security analysis

  • Investment or portfolio review

  • Roth-conversion planning

  • Tax-efficient withdrawal strategies

  • Insurance or long-term-care review

  • Education funding

  • Estate and beneficiary review

  • Cash-flow and debt planning

We analyzes the selected topic, provides recommendations, and usually delivers a focused action plan. Additional modules can be added later as the your needs evolve.

Depending on number of modules and complexity, the modular planning process can take between 1-2 weeks for completion

How does Saaga Wealth Planning manage portfolios?

We take pride in employing a comprehensive approach to gain a better understanding of our clients' investment goals. Our portfolio management services includes ongoing oversight of your investment accounts along with complimentary comprehensive financial planning. This process enables us to determine how to optimally align your investments with your short-term and long-term financial objectives.

In addition to providing free comprehensive financial planning, our portfolio management services also encompass quarterly reviews of your managed portfolio, financial plan and required updates.

We focus on tax-efficient investments and carefully consider internal costs when selecting funds for our clients. We charge fees based on a tiered AUM fee schedule starting at .90% to .50% per year and use Charles Schwab to custody managed assets.