FAQ
What makes Perspective Planning Partners different from other financial advisors?
Our team at Perspective Planning Partners (PPP) stands out through our collaborative approach and commitment to holistic financial planning.
• Our People: You gain the strength of a dedicated team, not just one advisor. Our financial advisors and service professionals work together to build lasting relationships, delivering exceptional service. We continually enhance our knowledge in areas like investment planning and retirement strategies to provide the personal attention you deserve.
• A Comprehensive Approach: Unlike firms that focus on isolated services, we coordinate all facets of your financial life—including investment planning, retirement income planning, risk management, tax planning, and estate planning services. Our mission is to help you gain perspective and confidence in using your wealth purposefully. Contact us for a free initial consultation to see how we can tailor this to your needs.
How do you help clients with investment planning as part of comprehensive financial planning?
We create personalized investment strategies aligned with your overall financial goals.
• We start by understanding your financial objectives, values, time horizon, and risk tolerance to build a tailored portfolio using assets like mutual funds, ETFs, individual stocks, bonds, alternatives, and private investment strategies.
• We integrate investments with other areas, such as tax-efficient strategies and retirement income strategies, ensuring a holistic approach rather than siloed decisions.
• Our ongoing due diligence involves reviewing and adjusting your portfolio seeking to manage risk, seize opportunities, and maintain alignment through market cycles. This active engagement helps you stay confident in volatile times.
How do you assist with retirement income planning and strategies?
We guide you through a customized process to help ensure a secure retirement.
• We review your full financial picture, including retirement accounts, Social Security benefits, pensions, and other income sources, to answer: "How much do you need?" and "Where will it come from?"
• Using advanced planning tools, we model scenarios to project asset longevity, sustainable lifestyles, and optimal retirement timing.
• We allocate risk across accounts—keeping some funds aside for short-term needs while positioning others for the long term.
• Plans evolve with life changes through regular reviews, ongoing communication, and flexible support from our team.
How do you help clients with tax planning to save money now and in the future? Tax-efficient strategies are core to our comprehensive financial planning services. We help answer: "Is it better to pay taxes now or later?"
• We analyze your current and projected tax situation, integrating it across investments, retirement, estate, and charitable planning.
• Strategies include tax-loss harvesting, using tax-efficient funds, and prioritizing long-term capital gains in portfolio decisions to optimize after-tax returns.
• We explore Roth conversions.
• For estate and charitable goals, we recommend strategies that may include donor-advised funds, gifting, and contributions to help minimize estate and inheritance taxes while maximizing impact. Our aim: Help you retain more wealth to align with your values. Schedule a tax planning review today.
How do you help clients get and stay organized in their financial planning? We simplify complexity to bring clarity to your finances.
• We provide easy-to-understand summaries of your position and next steps, regardless of your situation's complexity.
• Secure 24/7 digital tools let you view your full picture, monitor investments, and update information as life changes.
• This organization frees you to focus on priorities, with our support ensuring confidence.
How do you communicate with clients about their financial plans? We customize communication to your preferences for a connected experience.
• Options include email updates, phone calls, in-person or virtual meetings, and secure online tools.
• General insights come via our blog, website, Facebook, LinkedIn, and portals like LPL Account View and WealthVision. We keep you informed and confident throughout your journey.
How often do we meet for financial planning reviews? We typically meet 1-2 times per year once established, with extra sessions for year-end tax planning.
• Early on, we meet more frequently to align on goals and plans.
• We also connect for life events like retirement, inheritances, job changes, major purchases, or exchanges (e.g., 1031 or 1035).
• Flexible formats: In-person, virtual, or phone.
How do you get paid for financial planning and advisory services? Our compensation aligns with your success through a transparent fee-based model.
• Primarily from assets under management (AUM), with a tiered structure where fees decrease as AUM grows:
• Up to $500,000 annual fee: 1.50%
• $500,001 - $1,000,000 annual fee: 1.25%
• Over $1,000,000 annual fee: 1.00%
- This fee covers comprehensive planning, reviews, portfolio management, and unlimited advice—no hidden costs or penalties for leaving.
- We may earn commissions on products like life insurance or annuities, always disclosed upfront. We review fees in advance for full clarity.
Can you help with pension options, including Nebraska-specific plans?
Yes, we specialize in analyzing pensions, annuities, lump sums, and survivor benefits.
• Decisions are personalized based on your health, finances, and goals, integrated into your overall plan.
• We have experience with NPERS (Nebraska Public Employees Retirement Systems), TIAA, and other plans.