Clark Hourly Financial Planning

At Clark Hourly Financial Planning, we specialize in providing financial planning services to individuals who are approaching retirement. We understand that retirement planning can be a complex and daunting task, filled with many questions and uncertainties. You may be wondering, "Can I afford to retire?", "How much can I spend and not run out of money?", "How should I be investing at this time in my life?", "How do I pay for healthcare before age 65?", "How does Medicare fit into my financial plan?", "When I retire, how do I pull money out of my portfolio with an eye on tax consequences?", and "When should I take Social Security?".

Our goal is to provide you with the objective, experienced guidance you need to help answer these questions and many more. We strive to create a non-judgmental environment where our clients can feel comfortable discussing their financial concerns and seeking professional solutions. We want to help you trade the stress of unresolved financial issues for results and the confidence of a plan in motion.

We are led by Michele Clark, a CERTIFIED FINANCIAL PLANNER practitioner and CHARTERED RETIREMENT PLANNING COUNSELOR. Michele is also a NAPFA - Registered Financial Advisor and a member of the Financial Planning Association (FPA) and The National Association of Personal Financial Advisors (NAPFA). She has a Chancellor's Certificate in Financial Planning from the University of Missouri - St. Louis and a BA in Psychology from Purdue University. Michele holds a FINRA Series 65 license and has many years of experience in the financial planning industry.

At Clark Hourly Financial Planning, we believe in a flexible and personal approach to financial planning. We understand that every client is unique and has their own individual financial goals and concerns. That's why we offer hourly financial planning services, so you can get the guidance you need without being locked into a long-term commitment. Whether you need help with retirement planning, investment management, or any other aspect of your financial life, we are here to help.

Services Offered

At Clark Hourly Financial Planning, we offer a wide range of services designed to help you achieve your financial goals. These services include:

• Retirement planning: We can help you create a comprehensive retirement plan that takes into account your income, expenses, and investment goals. We can also help you determine the best time to take Social Security and how to maximize your benefits.
• Investment management: We can help you create a diversified investment portfolio that is tailored to your risk tolerance and investment goals. We can also provide ongoing management and monitoring of your portfolio to ensure that it stays on track.
• Tax planning: We can help you develop a tax-efficient withdrawal strategy that minimizes your tax liability in retirement. We can also provide guidance on tax-efficient charitable giving and other tax-related matters.
• Estate planning: We can help you create a comprehensive estate plan that ensures your assets are distributed according to your wishes. We can also help you minimize estate taxes and probate costs.
• Insurance planning: We can help you determine the right amount and type of insurance coverage to protect you and your loved ones. We can also help you compare different insurance policies and providers to find the best deal.
• College planning: We can help you create a plan to save for your children's or grandchildren's education. We can also provide guidance on college savings plans, financial aid, and student loans.

No matter what your financial needs and goals, we are here to help. Contact us today to learn more about how we can help you achieve financial success.