The Aligned Planning Calendar
Your Life Is Dynamic. Your Planning Should Be, Too.
Each month we focus on a specific area of your financial plan to ensure every component works together. This is how Intentional Living Financial Planning in New Braunfels, Texas delivers ongoing value to clients across the state and nationwide — not just an annual review, but a structured rhythm of proactive planning all year long.
Why a Planning Calendar?
Most financial planners meet with you once or twice a year, review your accounts, and send you on your way. We think that's a disservice. Your financial life doesn't pause for 11 months — so your planning shouldn't either.
The Aligned Planning Calendar is our structured approach to making sure every dimension of your financial life gets dedicated attention throughout the year. Each month has a specific focus area. Some months we're digging into tax strategy. Others we're reviewing your estate plan or stress-testing your retirement projections. The result is a plan that's always current, always aligned, and never collecting dust in a drawer.
Accounts Aligned
Optimize asset placement across account types for tax efficiency and growth. We review account titling, beneficiary designations, and whether your assets are positioned in the right account types — taxable, tax-deferred, and tax-free — to maximize long-term growth and flexibility.
Living Aligned
Ensure your current lifestyle aligns with your financial resources and goals. We look at how your day-to-day spending compares to what you’ve said matters most — and whether any adjustments would bring your lifestyle and your plan into better alignment.
Cash Flow Aligned
Track income allocation across spending, savings, and reserves. We map out where every dollar of income is going — spending, saving, investing, and giving — to make sure your cash flow is working as hard as you are.
Independence Aligned
Measure financial independence progress and your personal runway. We update your financial independence projections, stress-test them against different scenarios, and measure how much closer you’ve moved since last year.
Debt Aligned
Evaluate debt levels and ensure servicing is appropriate for your situation. We review all outstanding debt — mortgage, business loans, lines of credit — and evaluate whether your current payoff strategy is optimal or if restructuring would free up resources for higher priorities.
Estate Aligned
Review estate plan status and determine if updates are necessary. We confirm your wills, trusts, powers of attorney, and beneficiary designations are current and coordinated with your overall plan — especially important after major life changes.
Net Worth Aligned
Track total net worth progress against your long-term goals. We update your full balance sheet — assets, liabilities, and net worth — and track your trajectory against your long-term goals to make sure you’re on pace.
Plan Aligned
Full plan review ensuring micro and macro alignment across all areas. This is the big-picture check-in. We step back from the individual components and make sure everything — tax strategy, investments, estate plan, insurance, cash flow — is working together as one cohesive plan.
Invest Aligned
Verify investment strategy matches your risk profile and timeline. We review your portfolio allocation, rebalance where needed, and confirm your investment strategy still reflects your risk tolerance, timeline, and goals.
Protect Aligned
Assess insurance coverage adequacy and identify any gaps in protection. We review life, disability, long-term care, umbrella, and property insurance to make sure you’re properly covered as your net worth and family situation evolve.
Tax Aligned
Identify tax reduction opportunities and year-end planning strategies. We run year-end tax projections, identify opportunities for Roth conversions, tax-loss harvesting, charitable giving strategies, and any other moves that should happen before December 31.
Liquidity Aligned
Evaluate emergency fund levels and overall liquidity needs. We confirm your emergency reserves and short-term cash needs are fully funded so you enter the new year with confidence and flexibility.
Complete Annual Review
Annually, the complete plan is reviewed to ensure all components work together cohesively.
Want a Plan That Never Sits on a Shelf?
Schedule a complimentary conversation to see how our structured planning approach keeps your financial life aligned — all year long.
Fee-only fiduciary • No commissions • Always on your side of the table