A strong finish starts with a great plan.         


Prudent Financial Planning is a fee-only Financial Planning Firm located in Southwest Florida. We specialize in Student Loans, Investing, and Retirement.

The Beginning: 

A starting point.  Whether we are training for a race or working towards a financial goal it all has to start somewhere.  Ask a triathlete which leg of the race they dread and many will choose the swim.  Ask a runner or cyclist what part of the race they dislike and many will say "the start".  You can't finish a triathlon, marathon, or other race if you don't start one just like you can't reach your financial goals unless you start working towards them.  A report from GoBankingRates found that over 40 percent of Americans have less than $10,000 saved for retirement.  Are you ready to get started? 


The Transition:

A passage from one state or stage to another.  One of the major transitions in our life is turning a job into a career.  Now we have moved from the state of "barely surviving" to thriving.  Thus we enter the stage of wealth accumulation.  We can't practice this transition like triathletes practice ending their swim and moving onto the bike, but we can work with a Financial Advisor who can guide us around any obstacles in our way.  

You can   keep going and your legs might hurt for a week or   you can quit   and your mind will hurt for a lifetime.   Mark Allen  .

You can keep going and your legs might hurt for a week or you can quit and your mind will hurt for a lifetime. Mark Allen.


The Bike Stage (Saving):

We can help maximize the performance of your "bike" by improving cash flow, maximizing returns, minimizing risk, maxing retirement plan contributions, analyzing insurance needs, paying down debt and more.  But, in the end, you have to enjoy the ride.  There is no "one size fits all" plan.  Let us create a personal plan tailored to fit your needs and goals.  

Transitioning off the Bike Stage (Retirement):

Transitioning off the bike and into the run (aka into retirement) is no easy task.  You have been in a groove on the bike (working) for so long that you would prefer to keep riding all the way to the finish line.  All you thought of the whole bike ride was how nice it will be once you can get off the bike (stop working) and just settle in for the run (retirement).  But, you get off the bike and your legs feel like jelly.  You start to second guess yourself and you're not sure if you are physically (financially) or emotionally (emotionally) ready to start running (retire) yet.  Not to worry.  Your individualized training plan will prepare you for this transition and you will have the tools and the confidence you need to conquer this stage of your life (retirement).  


The Finish

What does a successful finish look like to you?  Is your goal to beat a certain time, set a new PR, or finish with a friend?  What does a successful career and retirement look like to you?  Do you want to be like the 40% of Americans who have less than $10,000 saved for Retirement (never start the race) or would you prefer to start training to achieve financial independence?   Not sure how to get there?  We've got you covered.   

As an athlete, you stick to a training plan for your races, log the miles day in and day out, make sacrifices to reach your goals, buy the right training equipment, overcome obstacles along the way, run a tune-up race to make sure you are prepared for the race, and then put it all together for that once-in-a-lifetime finish!  Now, let us help you design your Peak Financial Training Plan.