Cash Flow Plan

Conceptually, your Sensible Financial plan is very simple. We begin with your financial goals and resources. We add up all your resources and subtract the costs of your goals. The difference is available for everyday living. At your sustainable living standard, you spend that "everyday living budget" evenly over your lifetime.

By matching your financial resources and sustainable living standard with your financial goals, we develop a saving plan to build the assets you will accumulate over your lifetime. You will draw upon those assets to pay for later one time financial goals (such as college for your children or a down payment on a second home) and throughout your retirement.

Your saving plan will enable you to track your progress from year to year, adapting your savings and investing plans to:

• changes in your income
• changes in your financial goals
• more or less favorable investment returns