Financial Planning That
Actually Fits Your Life
Whether you're starting a family, buying a home, or planning for retirement, we help you make smart financial decisions without the overwhelm.
Start where you are today • Add services as your life changes
Financial Planning for Every Life Stage
Your needs evolve as life changes. Our modular approach adapts with you.
Young Couples
Common needs:
- Life insurance
- Emergency fund
- First home planning
Recommended:
Basic Financial Checkup + Insurance Planning
Growing Families
Common needs:
- Child education funds
- Increased coverage
- Disability insurance
Recommended:
Health Planning + Enhanced Insurance Coverage
Homeowners
Common needs:
- Mortgage protection
- Property insurance
- Wealth building
Recommended:
Comprehensive Protection Package
Pre-Retirees
Common needs:
- Retirement planning
- Healthcare coverage
- Legacy planning
Recommended:
Complete Financial Planning
We Understand Your Concerns
These are the questions that keep families up at night. Here's how we help.
"What if I can't work due to illness or injury?"
Our comprehensive insurance analysis focuses on protecting your income and your family's lifestyle.
"How do I protect my family if something happens to me?"
Life insurance analysis ensures your family's financial security and peace of mind.
"Are we saving enough for retirement?"
AI-powered analysis shows if you're on track and what adjustments to make.
"Healthcare costs keep rising. How do we prepare?"
HSA optimization plus comprehensive health insurance planning strategies.
Our Data-Driven Planning Philosophy
We believe in using real data, not guesswork. Our approach connects directly to your accounts to provide accurate, personalized recommendations that actually fit your life.
Complete Financial Picture
We gather all your financial information in one place - from bank accounts to insurance policies - giving you a true view of your wealth.
- All accounts in one view
- Insurance counted as assets
- Real-time updates
AI-Powered Recommendations
Our smart technology analyzes your unique situation and provides personalized recommendations that grow with you over time.
- Personalized to your needs
- Updates as life changes
- Smart savings strategies
Start Small, Grow Complete
Begin with what you need today. Add more services as your life evolves. No pressure to buy everything at once.
- Free initial consultations
- Add services anytime
- Annual reviews included
Complete 12-Module Personal Planning Framework
Every service builds toward our comprehensive planning modules completion. Each module captures critical data for complete financial planning.
The Basics
Personal information, contact details, family structure
Your Life Goals
Short-term and long-term financial objectives
Employment and Income
Current income, employment details, income projections
Personal Assets
Real estate, vehicles, valuable personal property
Liabilities
All debts, mortgages, credit cards, loans
Cashflow & Expenses
Detailed monthly budget and spending analysis
Investment Review
Current investments, portfolios, retirement accounts
Life and Disability Insurance
Existing coverage, beneficiaries, coverage gaps
Health & Ancillary Benefits
Health, dental, vision, supplemental coverage
Retirement
Retirement planning, social security, annuities
Long-Term Care
Long-term care planning and insurance needs
Estate Planning Considerations
Wills, trusts, beneficiary planning, wealth transfer
Strategic Family Services Portfolio
Each service targets specific planning modules while building toward comprehensive financial planning. Start with what you need most - no upfront cost for most services.
Insurance Protection Review
Life insurance, disability income protection, coverage gap analysis
Planning Modules Covered:
The Basics • Liabilities • Personal Assets • Cashflow & Expenses • Life and Disability Insurance
- Complete insurance needs analysis based on real financial data
- Coverage gap identification and premium optimization
- AssetMap integration for accurate coverage calculations
- Comprehensive InsurancePolicy database records
Health Benefits Checkup
Primary health, dental, vision, cancer, critical illness optimization
Planning Modules Covered:
The Basics • Health & Ancillary Benefits
- Comprehensive ancillary health plan analysis
- Dental, vision, cancer, critical illness, hospital indemnity
- InsurancePolicy with full ancillaryPlans JSON structure
- No financial data integration required
Financial Clarity & Debt Strategy
Complete financial picture with debt elimination strategy
Planning Modules Covered:
The Basics • Liabilities • Cashflow & Expenses • AssetMap
- Comprehensive financial snapshot via Plaid integration
- Complete AssetMap creation including all accounts & debts
- AI-powered debt payoff scenarios
- Cash flow optimization strategies
Retirement Readiness Assessment
Current savings analysis, retirement projections, annuity recommendations
Planning Modules Covered:
The Basics • Personal Assets • Liabilities • Cashflow & Expenses • Employment and Income • Retirement
- Investment holdings analysis via Plaid
- Income verification and projection modeling
- Comprehensive AssetMap retirement entries
- Long-term care and permanent insurance strategies
Complete Family Financial Plan
Complete family financial analysis with integrated recommendations across all 12 personal modules
Comprehensive Coverage:
- Full personal planning modules completion
- Comprehensive AssetMap across all financial areas
Advanced Analysis:
- All available data endpoints for complete analysis
- Cross-module analysis and integrated recommendations
Important Compensation Disclosure
Waltoria provides financial analysis through licensed insurance representatives at no cost to you. We receive commissions from insurance companies when clients choose to implement recommended insurance products. Commission rates typically range from 30-90% of first-year premiums and 2-5% of ongoing premiums. You are under no obligation to purchase any products and may implement recommendations through any provider of your choice. Product costs are the same regardless of where you purchase.