Services Provided

What Do We Actually Do?

Our purpose is to help members of the HVAC Community become more financially efficient. As your advisor, our objective is to provide answers to your questions (in plain English) so that you can make educated and informed decisions.

Whether you're selecting investments inside your first company's 401k, or you're counting down the years (or days) until retirement, Flowrate Financial was created for you.

The Foundation.

We start with the fundamentals. We'll help you develop a game plan for household cash-flow, debt management, short-term needs, longer-term goals, education funding, insurance coverage, and estate planning. For those still working we'll help you fully utilize your employer benefits and/or retirement plans.

While we don't sell insurance, we provide an honest assessment of your current coverage and make suggestions as necessary.

When it comes to estate planning, trusts aren't only for the mega-wealthy. Anybody who has been a part of the probate process will tell you just how helpful a properly executed estate plan will be.

Invest Smarter.

We believe in a repeatable, data-driven investment philosophy built around low-cost, well-diversified, tax-efficient portfolios based on financial science and economic theory.

• Create an investment plan to fit your needs and risk tolerance

• Structure a portfolio along the dimensions of expected returns

• Diversify globally

• Manage expenses, turnover, and taxes

• Stay disciplined through market dips and swings

More often than not it's best to ignore the headlines (and likely your emotions) and instead stick to your plan. We don't react based on the next hot stock tip, or what analysts think might happen tomorrow in the markets.

Reduce Your Taxes.

Through proactive tax planning we'll incorporate tax-reduction strategies (working within current tax law) to optimize your income during both your working (accumulation) and non-working (distribution) years. The key is taking intentional, consistent action on a regular basis, or as life-events allow for favorable adjustment.

Based on an evaluation of your situation, tax planning could mean deducting, deferring, or perhaps even accelerating income.

Despite what you may have read or been told, you control more of your tax destiny than you might think.

Retire With Confidence.

How do I generate sustainable income from retirement accounts & other assets while fighting inflation, riding out the market swings, and not getting crushed by taxes?

When should I begin Social Security? Is it better to take it right away or wait? What about my Medicare plan options?

Using a math-based dynamic withdrawal strategy, your retirement plan is protected by guardrails which include preset levels that notify us when spending needs to be temporarily reduced (based on market conditions). Alternatively, we'll encourage you to enjoy higher income levels when markets permit.