Financial Plan Review & Second Opinion · Tucson, Arizona
A second set of eyes on documents Nobody has compared
Plans get built in pieces, in different years, by people working from different information. Each piece is usually sound on its own. We read everything together and tell you where it disagrees, in writing. You keep your advisor, your attorney, and your CPA.
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What we look at
The financial plan checklist that falls between job descriptions
Every question here has an answer sitting in a document you already own. We check whether those documents still say the same thing.
Do your beneficiary designations match your trust?
The form your custodian holds overrides the will your attorney drafted. Account titling overrides your intentions the same way. When the paperwork contradicts the plan, the paperwork wins, and almost nobody re-reads it after the trust is signed.
Is your trust actually funded?
Who owns your life insurance?
A policy you own personally is counted inside your taxable estate. The money meant to pay the estate tax can enlarge it. Ownership is an estate question that gets decided on an insurance application.
Is your buy-sell agreement funded?
Does your withdrawal order make sense?
Was any of this built under old tax law?
We review coordination, not investment performance. Anything requiring legal or tax advice goes to your attorney or CPA, and we will tell you which is which.
What you get
A straight answer, in writing
You get a clear read on what you already have, written in a form you can hand straight to your attorney or your CPA. No presentation and no follow-up sequence.
Before we meet
Send what you have, or bring it. Trust documents, beneficiary forms, insurance policies, buy-sell agreements, recent statements. Whatever exists. If you are not sure what matters, send more rather than less, sorting that out is our job, not yours.
The conversation
One session, usually ninety minutes, at your kitchen table or your office. We go through what we found: where the pieces agree, where they contradict, and what the contradiction actually costs if nothing changes. You ask questions. We answer them plainly.
What you keep
A written summary of the findings, organized by which professional handles what. Some items go to your attorney. Some to your CPA. Some are ours if you want them to be. You own the document either way, and you are free to take it anywhere.
The honest part
There is no obligation and nothing to sign. If everything checks out, we will tell you that and you will have spent an afternoon confirming your plan is sound. If it doesn’t, you will know exactly what to fix and who should fix it.
When a second look is worth it
Four signs it is time for a financial checkup
Plans go stale when something changes and nobody revisits the paperwork. These four situations are the ones that most often leave a gap.
Your plan is more than five years old
Tax law moved. Your business grew or shrank. Someone was born, married, or divorced. The plan was right for the situation it was built for, the question is whether that situation still exists.
Different people built different pieces
An attorney drafted the trust. An agent sold the policy. A broker opened the accounts. Each did their part correctly, and none of them saw the others’ work. This is where contradictions live.
Something significant just changed
A sale, an inheritance, a diagnosis, a death in the family. Big changes make old assumptions obsolete faster than anything else, and they usually arrive when nobody has the bandwidth to review paperwork.
You have a feeling something’s off
You can’t point to it, but the plan doesn’t quite add up when you think about it. That instinct is usually worth following. Often it turns out to be nothing, and knowing that is worth the time.
Common questions
Second Opinion Questions We Get Most
Is this a sales pitch?
No. There is nothing to buy at the end of a second opinion, and no follow-up sequence waiting for you. If we find gaps, some of them will be things your attorney or CPA should fix, not us. We tell you which is which. The reason we offer this is simple: a portion of people who get a clear picture decide they want help maintaining it, and some of those become clients. Most don’t, and that’s fine.
What if my advisor finds out?
Getting a second opinion is normal, and a professional who is confident in their work will not be threatened by one. You are also under no obligation to mention it. Nothing we produce goes to anyone but you — you decide what to share and with whom.
Do I have to switch advisors?
No. Most people who do this keep everyone they have. The point is to find out whether the pieces line up, not to replace the people who built them. If the answer is that everything is coordinated, you will have confirmed something worth knowing.
What do I need to bring?
Whatever exists. Trust documents, wills, beneficiary designations, insurance policies, buy-sell agreements, recent account statements. If you are unsure whether something matters, bring it — sorting relevance is our job.
How long does it take?
The conversation is usually about ninety minutes. If you send documents ahead, we review them first so the time is spent on findings rather than paperwork. You get the written summary after.
What does it cost?
Nothing. There is no fee for the review and no obligation afterward.
Next step
Send us what you already have
Send your documents or bring them. We read what you have, tell you where the pieces disagree, and put the findings in writing. You keep your advisor, your attorney, and your CPA, and you keep the document, wherever you decide to take it.
Schedule a ConsultationNo fee · No obligation · Tucson, Arizona