By Design Financial Planning
Financial Service
Why pick this one
By Design Financial Planning provides fee-only fiduciary advice with direct CFP® access and coordinated retirement, investment, tax, and cash-flow planning.
Best for
- Mid-career professionals coordinating retirement savings, taxes, investments, cash flow, insurance, and estate planning
- Families evaluating debt repayment, investing, emergency funds, education funding, or major purchases
- Pre-retirees planning retirement timing, sustainable spending, Social Security, healthcare, taxes, and withdrawals
- Clients needing Roth conversion, backdoor Roth, tax-loss harvesting, or tax-aware withdrawal analysis
- Clients seeking ongoing financial planning with investment management
Look elsewhere if
- Clients seeking tax return preparation
- Clients seeking only a one-time planning engagement
- Clients wanting investment advice without potentially having investments managed as part of the advisory relationship
Specialties
- Retirement planning
- Social Security optimization
- Pension evaluation
- Healthcare and Medicare strategies
- Tax-efficient investment location
- Roth conversion analysis
- Tax-loss harvesting
- Cash flow and debt strategy
- Insurance gap analysis
- Estate and beneficiary coordination
- Workplace benefits optimization
- Stock option coaching
Certifications
- CERTIFIED FINANCIAL PLANNER™
- Financial Paraplanner Qualified Professional (FPQP™)
What makes them different
- Fee-only fiduciary compensation with no commissions or third-party product compensation
- Travis Ray, CFP®, works directly with clients
- Published planning fees start at $2,800 per year
- Virtual planning meetings support clients locally and nationwide
- Coordinated advice covers retirement, investments, taxes, cash flow, insurance, estate planning, and major financial decisions
- Serves
- Greensboro
Distilled from this business's own website.
Contact & Location
- Address
- 101 S Elm St Ste 52, Greensboro, NC 27401-3025
- Phone
- 13362657358
- Website
- http://www.bydesignfp.com
- admin@bydesignfp.com
Services
- Comprehensive financial planning
- Investment management
- Retirement income planning
- Tax planning
- Cash flow planning
- Risk management
- Estate and legacy planning
- Education funding planning
- Major life decision planning