Financial Planning

Michael Piccoli is qualified to perform all necessary financial services. Based in Boca Raton and Tequesta, he provides personal financial planning, business financial planning, insurance advice, investment planning, retirement strategies, cash flow examinations, savings advice, health care plan advice, and business owner exit planning.


Financial Planning Services

Each individual situation requires a different plan to help you meet your goals for this year, for next year, and for 20 years down the road.

Parts of a Financial Plan

When you want the best financial advisor in Boca Raton you should call Michael Piccoli to have him design a personalized financial plan for you.  Every person has a unique set of goals and Michael will ensure that your plan is constructed with your goals in mind. 

A financial plan is much more than just investment planning. Although they share several similarities, a financial plan is more comprehensive in scope.  Investment planning is a portion of an overall  collective financial plan.

Each financial situation is unique. For example, someone without children won’t worry about saving for huge educational expenses, while another person might want the ability to send their children to a prestigious university.  Some people aim to pay off their house before retirement so they can live mortgage-free, and others plan to sell their house and use that money to travel full time.  

An effective financial plan will address budgeting, investing, tax planning, saving, insurance planning, and retirement planning.  

How Financial Planning Works

Financial planning is composed of 5 steps:

  1. Pinpointing your destination:  A good financial planner will put in the time it takes to make sure they understand your goals —not what they think your goals should be.  In the first meeting, Mr. Piccoli will go over your specific wants and needs in great detail.  The more he understands your goals, the more detailed and specific the plan will be in working toward those goals.
  2. Coming up with a strategy:  Once we understand who you are and what you want your financial future to look like, we can work together to develop a customized strategy specifically for you and your situation.  The strategy will include analyzing your tax situation and making sure you are not paying unnecessary taxes.  
  3. Putting the pieces together:  This is the step where we incorporate your goals into phases of your life and plan– what you need to do now, in the near future, and in the long-term.  A financial plan is not set in stone and is intentionally designed to be adaptable.  
  4. Doing the work: Now that the plan and strategy are complete, Mr. Piccoli will help you do the actual work.  For example, if one of your long-term goals is a comfortable retirement, Mr. Piccoli will show you how much money you need to save and invest every month to meet your retirement goal.   
  5. Monitor Progress :  Once your plan is in place, the work is not done. Michael will keep an eye on your investments and will know how they are doing at any given time. Michael will be available to answer any questions you may have as your plan and time progress.

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