PERSONALIZE
Financial
Planning That
Starts and Ends
With You
No matter where you are in your wealth management journey,
we can help you reimagine what is possible on the road to
financial freedom. Where shall we begin?
When it Comes to Planning for the Future, There Is No Time Like the Present
It is never too early to explore what is possible when you work with a financial advisor. Forum advisors consider how things in the background of your financial life affect your overall wealth management picture, such as how existing debt and significant expenses (for a new home or saving for a child’s college tuition) play into the financial decisions you make today.
Financial planning is not just about retirement. We look at everything — from the short-term goals that matter to you now to planning for retirement — all with a focus on realistic saving. With our approach, you can rest easy knowing you have taken care of the things you were worried about, and you can check them off your list.
Looking for a fiduciary financial advisor to help you achieve your financial goals? Please call us at 833.630.8600 to get started.
Wealth Management Solutions That Meet You Where You Are Right Now
This is the time to reflect on what you have accomplished from a saving and investing perspective. Are you on track to achieve your financial goals? We can help you stay on course or recalculate to get back on the right path. Forum offers a range of wealth management solutions to offer you the guidance we would expect to receive ourselves.
At this stage, you need to look at everything that encompasses your financial life. We coordinate with other financial professionals such as attorneys and accountants to make sure all your financial bases are covered. That is how we define integrated wealth management.
As your advisor and financial coach, we are there to help you with more than your investment portfolio. Please call us at 833.630.8600 to get started.
Plan for Retirement With a Supportive Advisor and a Comprehensive Plan
There is more to consider when choosing an optimal Social Security filing strategy than full retirement age (age 67 for those born in 1960 or later). General health, life expectancy and the opportunity cost of delaying Social Security benefits all play a big role in forming a strategy in which individuals would not outlive their money.
A Forum financial advisor can help you identify and address the many decisions you will need to make to maximize your retirement. Whether you are still transitioning or already retired, you will benefit from having a well-thought-out plan that checks all the boxes for financial and personal goals at this stage.
If you want to create a retirement plan that is tailored to your needs and goals, Forum Financial Management is here to assist you. To get started, give us a call at 833.630.8600.
WHERE TO SAVE (AND HOW MUCH)
There are many decisions to make about where to save, how much to save and how to balance saving against paying down debt. Along with saving for retirement, you might have short-term goals such as to save for a down payment for a home, build an emergency fund or start a business. We help clients establish a realistic savings plan for present goals and horizon goals, including making the best use of any company-sponsored retirement plans, recognizing there are typically added benefits via matching contributions from an employer.
CAREER AND LIFE GOALS
We have reached a pinnacle moment where life goals no longer play second fiddle to career goals. At Forum, we place great value on setting life goals, which are found at the center of every financial life.
Moreover, work/life balance should be accounted for when establishing career goals. By reviewing career trajectory, we help clients set short- and medium-range career goals with equal weight given to hopes and dreams and the life goals that come from them.
BUYING OR RENTING
You may have moved many times and know the process — from investigating neighborhoods for general livability through the intensity of moving day. According to an estimate from the U.S. Census Bureau, people move at least 11 times during their lifetime. Even with the benefit of personal experience, it is useful to have a purely financial view when deciding to buy or rent your next primary residence. We help clients identify the opportunities and tradeoffs of buying or renting evaluating multiple factors such as finances, family needs, career trajectory, taxes, current interest rates and cost of living.
EMERGENCY FUNDS
The idea of saving for a rainy day is forward thinking. The baseline for an emergency fund is 6–9 months of living expenses as a safety net with a case for one year of expenses, depending on career industry and life stage.
In 2020, people who never thought they would use their emergency fund turned to such funds as a financial resource. The place to start is with one month of savings with regular contributions growing over time.
STUDENT LOANS
Four years to earn a college degree may seem like a long time to a high school student but paying college expenses decades after graduation is even more difficult to fathom. With the rise of student debt, which originated from misleading student loans and unclear payment terms, a generation of college graduates will continue to pay student loans over the next 15–20 years. We help new career professionals tackle student debt and advise families on how to avoid student loan traps when considering college acceptance offers.
INSURANCE ESSENTIALS
Even as you are considering essential insurance for home and health, you may begin to receive different insurance products from third parties offering insurance in the form of investments. High-cash-value policies, indexed annuities and variable annuities can seem appealing but may not be in your best interest. We help our clients understand the value of incorporating appropriate insurance into a good financial plan.
A PERSONAL APPROACH
Tell Us About Your Financial Life and Aspirations
Your experience begins with an initial meeting to identify your financial vision for the future and risk tolerance levels. We review our investment philosophy and approach with you so that you fully understand each milestone of our process and how our relationship will evolve over time.
Discuss Topics Crucial to Your Financial Success
Over the course of the next few meetings, the content and breadth of each meeting is defined by your personal needs. We can review your estate planning and risk management needs, discuss retirement accumulation or distribution planning, evaluate educational funding needs, review your tax situation, and go over any other items crucial to your financial success.
Develop a Strategic Plan Unique to You
Once you select an allocation, we put together a strategic implementation plan that will coordinate investment of your portfolio between qualified (tax-advantaged) assets and non-qualified assets in order to maximize tax efficiency. The topics we address during our time with you vary depending on your unique needs and situation.
Putting Your Plan Into Action
We establish your Forum account based on the portfolio allocation we discussed and what we learned about your risk tolerance and financial goals. With your new Forum account now in place, you will have the opportunity to access your Forum Client Portal for the first time and connect with members of the Forum Client Service team.
Review Goals and Plans When Your Life Changes
You will receive reporting that will clearly show your performance net of all fees and compared to applicable market indexes. Additionally, your assets are held at a reputable third-party custodian that furnishes independent monthly reports so you can feel confident about the safe handling of your money.

OUR INVESTMENT PHILOSOPHY
Derived From Decades of Academic Research
TO REACH YOUR FINANCIAL GOALS, CHOOSE WISELY, DIVERSIFY WIDELY
Many investors believe that managing their investments actively is more likely to lead to success, but when they make their own investment decisions, they may not even be fully aware of how emotional their investing strategies are.
We believe that a widely diversified portfolio of investments tailored to each client’s unique risk tolerance level and financial goals is key to financial success. Our investment program is a fee-based, highly diversified, low-cost investment strategy using primarily the mutual funds of Dimensional Fund Advisors and based on an evidence-based investment philosophy derived from decades of academic research in financial and market theory.
$326
PER MONTH
Assumed annual rate of return is 7% and annual rate of inflation is 2% with interest earned on the beginning balance.