A structure for decisions.
The Financial Plat is Toft’s planning process: seven areas of your financial life, worked through in order and kept current in one plan.
One decision builds on the next.
Financial decisions rarely stay in one category. A retirement date affects income, taxes, investments, insurance, and legacy choices. Like a surveyor’s plat, which maps land into parcels, the Financial Plat gives each part a place and an order, so every decision is made in context.
Vision
Define what matters, what is changing, and what your wealth should make possible.
Income
Turn your resources into a sustainable plan for cash flow, retirement income, spending, and withdrawals.
Investment
Build a durable portfolio around the plan’s goals, time horizon, and real-world behavior.
Tax
Coordinate decisions across years so income, investments, and giving are considered after tax.
Insurance
Identify the risks that could disrupt the plan and decide what to retain, reduce, or transfer.
Legacy
Align beneficiaries, estate coordination, giving, and family intentions with the life the plan is meant to support.
Organization
Bring the plan, accounts, documents, and next steps into one working system, and keep it current as life changes.
From the first call onward.
Conversation
A free 30-minute call, then a free Proposal Meeting of about an hour. Nothing is billed until an agreement is in writing.
Planning
Work through the seven areas, set priorities, and turn the recommendations into clear next steps you can act on.
Stewardship
Meet twice a year, and call when something changes. The plan adapts as markets, laws, and life evolve.
A spring meeting and a fall meeting.
Once the plan is in place, there are two scheduled planning meetings each year, about an hour each, with more conversations when a decision or life event calls for one.
Start with a call.
A free 30-minute conversation with a fee-only, independent fiduciary. By phone or video; bring only your questions.