Frequently Asked Questions
What makes Xennial Planning different from other financial firms?
Lindsay believes financial planning should be available to EVERYONE, regardless of age, income, or status. And women, in particular, have been largely ignored. Planning earlier in life is even more critical for long-term success because it helps to instill lifelong habits of saving, investing, and living within your means. All of which will help you build the life of your dreams.
What does an ongoing relationship with Xennial Planning look like?
Not only will you have the ability to call, e-mail, or request a meeting whenever you want, but we will also set up quarterly check-ins. Winter is a great time to prepare for tax season. In the Spring, we will review your retirement projection and investments. Summer is a full annual review, including accomplishments we've had over the past year. And for many, Fall is employer benefits elections. Let's review if any changes need to be made for health, disability, retirement plan contributions, etc. Download the FULL Service Calendar. If you prefer not to meet for any reason, that is okay, too! There is no obligation and you can cancel at any time.
Why should I choose Xennial Planning?
Lindsay was lucky enough to find a woman mentor early in her career to help her start contributing to a 401k at 22 years old, buy her first home at 23, and successfully navigate a male-dominated career. She knows what it's like to feel lost in a never-ending maze of information and how important it is to have another woman who understands what she is going through and provide the guidance she needs. It's time to pay it forward!
I don't live in the San Diego area. Can you still work with me?
Yes! Just like social media, we will connect with you from anywhere. We can use video chat, e-mail, text messaging, or even an old fashioned phone call! We also have an app if you want to check up on your own. Whatever is convenient for you.
I don't know anything about investing. Can you help?
Absolutely! We will review your situation to determine if any changes need to be made to your retirement or other investment accounts, and whether consolidation makes sense. We take into consideration not only your goals and time horizon, but also your tolerance for risk. Investing always has some level of risk and past performance is no guarantee of future results.
What is your investment strategy?
First, we do not believe investments are the most important aspect of a good financial plan and they only represent a portion of what we do. With that caveat out of the way, we believe in a passive strategy, meaning we seek to keep costs low with the intention of keeping investments long term and building wealth gradually (unless your goals or objectives change requiring a re-evaluation). If you prefer socially responsible investing, we can build a portfolio that seeks to invest in companies that are known to have ethical practices.