Financial Planning

Advice-Only Planning for Families, Executives, Business Owners, and Multi-Generational Families

At Firehorse Strategic Partners, we believe financial planning should go far beyond retirement projections and investment recommendations. Our planning process helps clients make more informed decisions across their entire financial life, coordinate advisors, identify opportunities, and build a clear path toward their goals.

1. Capital & Investments

Are we positioned correctly?

  • Allocation snapshot (public / private)

  • Liquidity runway

  • Concentration flags

  • Risk vs. objectives alignment

  • Upcoming capital events

Our Framework

The Firehorse Family Roadmap™

Every planning engagement is built around the Firehorse Family Roadmap™—a coordinated framework covering four essential dimensions of your financial life.

2. Estate & Structure

Is the architecture protecting the capital?

  • Trust map and funding status

  • Asset titling integrity

  • Insurance sufficiency

  • Gifting strategy progress

  • Estate tax exposure

3. Tax Strategy

Are we minimizing erosion?

  • Current-year tax projection

  • Harvesting actions taken / available

  • Carryforwards and capital gains budget

  • Charitable offset capacity

  • Entity and residency considerations

  • Tax planning discussions are educational and consultative in nature and are intended to facilitate coordination with a client's tax professional.

4. Family & Philanthropy

Is the capital aligned with the family?

  • Family mission and values

  • Giving; planned vs deployed

  • DAF / foundation positioning

  • Governance cadence

  • Next-generation engagement

Firehorse Foundation

Designed for individuals and families seeking clarity, organization, and a written financial roadmap.

Includes

  • Retirement planning

  • Cash flow analysis

  • Insurance review

  • Education planning

  • Investment allocation review

  • Roth conversion opportunities

  • Capital gains considerations

  • Tax-efficient withdrawal strategies

  • Basic charitable giving strategies

  • Continuous access to your plan in RightCapital

  • Ongoing plan updates throughout the year

Planning Process

  • Initial Discovery Meeting

  • Follow-Up Plan Refinement Meeting

  • Mid-Year Check-In Meeting

  • Year-End Review Meeting

Best For

Individuals and families, pre-retirees, young professionals, and clients seeking a second opinion.

Planning Engagements

Choose the Right Level of Engagement

Firehorse Advanced

Designed for executives, professionals, and affluent families with more sophisticated planning needs.

Includes Everything in Foundation, Plus

  • Executive compensation analysis

  • Stock option planning

  • RSU planning

  • Deferred compensation review

  • Asset allocation & location analysis

  • Tax-aware planning discussions

  • Roth conversion analysis

  • Charitable planning strategies

  • Social Security optimization

  • Medicare planning

  • Concentrated stock position analysis

Planning Process

  • Initial Discovery Meeting

  • One to Two Plan Refinement Meetings

  • Quarterly Check-In Meetings

  • Year-End Strategy Meeting

Best For

Executives, physicians, professionals, families with concentrated stock positions, and clients approaching retirement.

Firehorse Family Enterprise

Designed for business owners and entrepreneurs.

Includes Everything in Advanced, Plus

  • Business succession planning

  • Exit planning

  • Business valuation discussions

  • Buy-sell agreement review

  • Key-person planning

  • Executive retention planning

  • Retirement transition planning

  • Tax-efficient sale preparation

  • Family business continuity planning

Additional Coordination

  • CPA coordination

  • Estate attorney coordination

  • Business attorney coordination

  • Family meetings as needed

Best For

Business owners, entrepreneurs, family-owned businesses, and clients preparing for a liquidity event.

Firehorse Private Client

Designed for families with significant complexity requiring coordination among multiple advisors and generations.

Includes Everything Above, Plus

  • Multi-generational wealth planning

  • Estate planning coordination

  • Trust review & implementation support

  • Family governance discussions

  • Philanthropic strategy

  • Private investment review

  • Family meeting facilitation

  • Advisor oversight and coordination

Concierge-Level Service

  • Coordination with attorneys, CPAs, trustees

  • Review of outside recommendations

  • Ongoing implementation support

  • Customized planning projects

  • Professional vetting & referral assistance

Best For

Multi-generational families, family trusts, complex estates, and clients seeking comprehensive coordination among their professional advisors

A Note for Investment Management Clients

For investment management clients, comprehensive financial planning is generally included as part of the advisory relationship, subject to the scope of services described in the applicable advisory agreement.

Start with a Conversation

The best financial decisions begin with clarity. Let's discuss where you are today and where you want to go next.

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