A Goal Without a Plan Is Just A Wish

Financial Planning

Together we will create a plan to help make your financial goals a reality.

We Specialize In

Planning for the Future

Financial Planning

Major life events such as divorce, the birth of a child or the death of a loved one are all reasons to have a sound financial plan in place. With firsthand knowledge and understanding of what it is like to face these challenges, we are in a unique position to help you plan for the future.

We work together to be sure that you get the information you need to make the best decisions for your individual situation and help you avoid costly mistakes.

Investment Portfolio Review

Is your portfolio right for you? We will look at your investment holdings and analyze your overall portfolio to determine if it best suits your needs and goals. A second-opinion can often lead to changes that may save you fees and more.

Asset Allocation

Are all your eggs in one basket? Diversification is crucial to the success of all long-term investment plans. Owning a balance of stocks, bonds and cash provides this diversification. Your age, attitude toward risk and long range goals will determine how your overall portfolio should be allocated. By reviewing the investments in all of your accounts, we can determine what your current asset allocation looks like and what changes might need to be made.

Retirement Projections

Concerned about what your lifestyle might look like in retirement? Using your current income, investments, retirement savings and living expenses, projections can be created to give you a sense of what life might look like in the future.

Cash Flow Analysis

Having trouble saving? Cash flow is defined as the difference between income and expenses and is an important piece of every financial picture. If you are trying to set aside money for a great vacation, a wedding, college, or retirement but are finding it difficult, understanding your cash flow may help you find ways to save.


Insurance Needs Analysis

Are you covered? Employer-sponsored life insurance does not usually provide a sufficient death benefit for a family to meet their financial obligations should something happen to the primary earner. Reviewing a family’s potential long-term needs will help determine whether more insurance is necessary to protect against the unexpected.

College Savings Planning

Are we saving enough for college? As costs continue to rise, the need to start saving begins earlier and earlier. Determining how much needs to be put aside for the future is the first step in creating a long-term savings plan.


Why is creating a budget so difficult? There are many tools available to assist with budgeting, and it’s important to choose the right one for you. We’ll work together to create a spending plan to achieve your savings goals, prevent you from over spending or allow you to better understand where your money goes.

Let’s Work Together

Financial Planning Services Built For You

Financial planning is an essential part of making sure your future is secure, your loved ones are provided for, and you’re prepared for the unexpected events that life often brings. If you’re looking for independent and objective advice to help you accomplish both your short-term and long-term goals, Epona Financial Solutions is here for you!

Claudia E. Mott, CFP®, CDFA™
(201) 572-2177

Share This