415-433-1550 info@boltwoodcap.com

Financial Planning

The circumstances in our lives change daily.  We believe that a well built financial plan should be flexible and adjust to these circumstances. 

Our Process

Much like building a house, skipping a step can be disastarous.  Our process, focuses on building from the ground up and only moving on to the next stage when prepared to do so.

We believe that regardless of a household’s broader circumstances there are certain core financial building blocks that everyone must have in place.

Our planning process focuses on first establishing these foundational pieces and only then moving onto more aspirational goals.

However, it is important to recognize that a financial plan, like life, is dynamic.  As a result, it must continually be reviewed and updated as your life and financial circumstances evolve.  

Areas of Focus

The circumstances, challenges and goals relevant to one household may have no place in another.  As a result our plans cover a wide range of topics and are tailored to your unique situation.

Catastrophe Protection

Insurance is an important part of building (and protecting) financial strength.  Without it a single outcome can derail years of hard work.

Budgeting & Cash Flow

More often than not, budgeting is seen as a four letter word.  We work with our clients to find an effective (and painless) way to moinntor spending.


While preparing for retirement is important so to is making the right decisions as you enter and live through this period.

Estate Planning

Many believe having the appropriate legal documents (will, trust, medical directive) is something “wealthy” people do.  The reality is that everyone needs these documents.

Saving for College / Debt Management

Managing current student debt, or working to avoid future debt, are important goals.  We work with people in both situations to develop a plan that works for them.


While not everyone needs to be an investment professional, we all should have a basic understanding of investments and how they fit together.

Generational Planning

Regardless of your family’s net-worth educating the future generations on how to handle money is critical to sustained financial success.  We work with families to provide future generations with the proper skills.

Home Ownership

For most of us buying a home is the single largest expense we will ever make.  Naturally, doing so in a responsible manner is critical to long-term wealth creation.