Financial Planning
Financial Planning That Brings Every Piece Together
Most people who come to us aren’t short on information. They’re short on a clear picture. Accounts sit at different institutions, a business blurs into personal finances, and each advisor sees only their own piece. Underneath it all is a simple question: where do I actually stand, and what’s possible from here?
We start by answering that question. Drawing on behavioral finance, we work with you to define your goals, understand your risk tolerance, and build a roadmap connected to your investments, taxes, and estate. We plan this way for individuals and executives as well as for families and family offices managing wealth across entities and generations. We pay as much attention to how you make decisions as to the numbers behind them.
A Major Decision Is Coming
Retirement, a business sale, or an inheritance is on the horizon, and you want to understand the trade-offs before you commit.
Your Finances Have Grown Complex
Accounts, entities, and advisors have multiplied, and no one is looking at how the pieces work together.
You Want a Steady Voice
You’d rather make major financial moves with a clear head and a trusted partner, especially when markets get noisy.
A Thoughtful, Four-Step Planning Process
Good planning starts with listening and doesn’t end when the plan is delivered. Here’s how we get from a first conversation to a plan that keeps pace with your life.
Define What Matters
We start with your goals and values, and with the people and timelines tied to your biggest decisions.
Build Your Baseline
Using sources like your tax return, we map income, expenses, and upcoming commitments to give you a clear picture of where you stand.
Model Your Options
We test scenarios, like retiring early versus working longer, so you can see the long-term impact of each choice before you make it.
Stay on Course
We revisit your plan at least twice a year and whenever life or markets shift, with behavioral coaching that keeps decisions steady.
Inside a Sunpointe Financial Plan
No two plans look alike, because no two families do. Most of our plans bring these six areas together, and much of the value lies in how they connect. A change in one, like retiring two years early, ripples through the rest, and your plan shows you exactly how.
We help you name and rank what matters most, from college funding to a second home to the legacy you want to leave, then set realistic savings targets for each.
We map income, spending, and upcoming commitments into one clear view. Many clients haven’t tracked this closely before, so this is often where the clarity starts.
When can you retire, and what will it look like? We model income sources, tax-efficient withdrawal strategies, and timing decisions like Social Security and required minimum distributions.
We review your coverage, including life and long-term care insurance, against what your family and plan actually need, so gaps and overlaps come to light early.
We model how decisions like gifting strategies, charitable giving, or trusts affect your plan, and coordinate with your CPA and estate attorney so your tax, legal, and financial advice stays aligned.
Your portfolio should serve your plan, not the other way around. We connect your investments to your goals, time horizon, and risk tolerance, and adjust as your plan evolves.
Ready to See Where You Stand?
The first step is a conversation. Bring your goals, your questions, and the decision that’s been on your mind. We’ll listen first, then help you see what’s possible from here.
Explore Related Services
Financial planning is where everything connects, but a plan only matters if it shapes what happens next. These services are where your plan goes to work, each one coordinated through your Sunpointe relationship so your investments, tax strategy, and everyday decisions move in the same direction.
Behavioral Finance
Our planning is grounded in how people actually make decisions, and behavioral coaching helps you stay steady when markets and emotions run high.
Portfolio Management
An institutional approach to your investments, from policy and asset allocation to manager selection and ongoing monitoring, all tied to your plan.
Tax Planning
We review your tax picture alongside your plan and coordinate with your CPA, so your investment, withdrawal, and giving decisions reflect it.
Frequently Asked Questions
Answers to the questions we hear most about financial planning.
Call us at 314-880-0821 or send a message.
Financial planning at Sunpointe Investments covers goal setting, cash flow and budgeting, retirement income, insurance planning, and tax and estate scenarios, all coordinated with your investment strategy rather than handled separately. Whether you’re an individual or a family office, the result is a single roadmap that shows how a decision in one area affects the others, grounded in behavioral finance.
It’s ongoing. Your plan is meant to change as your life does. We revisit it at least twice a year and whenever something significant shifts, such as a new role, a business sale, an inheritance, or a change in markets. Each review updates your cash flow, scenarios, and priorities, so the plan keeps reflecting the life you’re actually living.
Yes. Retirement income planning is a central part of financial planning at Sunpointe. We model when you can retire, which income sources to draw from and in what order, and how to structure withdrawals tax-efficiently. We also help with timing decisions like claiming Social Security and managing required minimum distributions, so you can see the trade-offs before you commit.
Financial planning engagements at Sunpointe carry an annual minimum fee of $10,000. Asset minimums vary depending on whether you work with us through wealth management or family office services. The best way to understand what fits your situation is a conversation with one of our advisors.
Every plan at Sunpointe is built on behavioral finance, the study of how emotions and mental shortcuts shape financial decisions. Sunpointe’s Michael Pompian wrote the CFA Institute’s Level III behavioral finance curriculum and has published five books on the subject. In practice, that means we pay as much attention to how you make decisions as to the numbers, helping you stay steady when markets or emotions run high.
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