Building Business Value and Personal Wealth Through Coordinated Financial Planning You can grow your business while building personal wealth by treating your company as a financial asset and making business decisions that support your personal financial goals. That means evaluating expansion, financing, reinvestment, and succession decisions alongside your family’s needs, investment strategy, retirement plans, and long-term […]
Category: Wealth Management
AUM Fees vs. Comprehensive Wealth Management: What Does a Financial Advisor Cost?
What’s the difference between paying a financial advisor a percentage of your investments and paying a fixed annual fee for comprehensive wealth management? An assets under management (AUM) fee is based on the value of your investment portfolio, while a comprehensive wealth management fee is based on the scope of financial advice and coordination you […]
You Won the Lottery. What Should You Do Before Spending or Investing?
Winning the lottery can change your financial life overnight. Whether you’ve won several hundred thousand dollars or a multimillion-dollar jackpot, the decisions you make in the weeks and months that follow can influence your financial future for decades. It’s natural to think about paying off debt, buying a home, helping family members, or leaving your […]
Inherited a Large Sum of Money? Financial Planning in The Woodlands, TX.
Catalano Financial, led by Peter Catalano (CLU, ChFC), is a fee-only Registered Investment Adviser in The Woodlands that helps people who inherited money build a coordinated, long-term plan. Services start with a Financial Roadmap at $500 or Comprehensive Financial Planning at $6,000, with transparent investment management fees and no product commissions.
What Should You Do With Life Insurance Proceeds?
How to protect, invest, and plan for your financial future after receiving a life insurance payout. By Peter Catalano, ChFC®, CLU® | Catalano Financial | The Woodlands, Texas Receiving a substantial life insurance payout can bring financial relief during an emotionally difficult time. While the money may provide much-needed security, it can also create new […]
How Much Does an Ongoing Wealth Advisory Relationship Cost?
Understanding financial planning fees, investment management costs, and the value of ongoing coordinated financial guidance. When considering a financial advisor, one of the first questions people ask is, “How much does it cost?” It’s a reasonable question. But there’s another question worth asking: What am I actually hiring the advisor to do? The cost of […]
Do You Need a Financial Plan, Investment Management, or a Strategic Wealth Partnership?
Not everyone needs the same type of financial advisor relationship. Some people need a comprehensive financial plan to understand where they stand and what decisions they should consider. Others are comfortable managing most of their financial affairs but want professional oversight of their investment portfolio. And then there are individuals, families, and business owners who […]
What Is a Strategic Wealth Partnership With a Financial Advisor?
For successful individuals, business owners, and families, managing wealth often requires more than managing investments. As your financial life becomes more complex, decisions rarely happen in isolation. A business sale can affect retirement income. Investment decisions can affect taxes. Estate planning can influence how assets are owned and transferred. Insurance decisions may affect the financial […]
Why Business Owners Benefit From Coordinated Financial Guidance
The value of working with professionals who understand both your business and your personal financial future. Running a successful business requires more than generating revenue. Business owners must make decisions about cash flow, profitability, taxes, investments, retirement, and protecting what they’ve built. And those decisions are often connected. That’s why I believe business-owner financial planning works best […]
Why Do Business Owners Need a Different Financial Strategy?
For a business owner, personal financial planning and business planning can’t really be separated. Your business may provide your income, represent one of your largest assets, and ultimately play an important role in your retirement. Business owners need a different financial strategy because the business itself needs to be part of the financial plan. It […]