Over time, that idea has taken shape into a firm built around something simple: financial planning should start with understanding the person behind the decisions.
That kind of planning matters. According to a recent Allianz study cited by Yahoo Finance, 48% of Americans do not have a written financial plan. For many people, the challenge is not whether planning matters. It is knowing how to turn good intentions into a clear path forward.1
It Starts With Understanding
Before we talk numbers, we listen.
We take the time to understand where you are, what you’re working toward, and what’s influencing your decisions right now.
That context shapes everything that follows.
Our discovery process is designed to uncover more than financial details. We want to understand your goals, priorities, values, and concerns so that recommendations reflect your life, not just your balance sheet. A financial plan should connect what you have with what you want your life to look like, both now and in the years ahead.
That kind of personalized approach is increasingly what people are looking for. BlackRock’s 2026 retirement research found that 81% of savers want tailored guidance, reinforcing how important it is for planning to reflect the individual, not just the numbers.2
Planning That Continues Over Time
Life doesn’t move in a straight line.
Your financial decisions shouldn’t either.
We stay involved over time, revisiting decisions, adjusting as needed, and helping you navigate changes as they come. The goal isn’t to create a plan and step away. It’s to build something that continues to work as your life evolves.
That ongoing attention becomes especially important as people approach retirement. The same Allianz study found that only 45% of Americans know how they will turn their savings into income in retirement.3 In other words, having savings is important, but having a strategy for how those savings become reliable income is just as important.
Everything Working Together
Most financial decisions don’t exist in isolation.
Investments, taxes, insurance, estate planning, and cash flow all interact.
Our role is to help bring those pieces together so that decisions are made with context and direction, not in silos.
Without a clear strategy, account balances can feel disconnected from real-life spending needs. That uncertainty is showing up in how people feel about the future. Allianz found that 64% of Americans worry more about running out of money than death itself, and 67% worry that Social Security will not last through their retirement.4
That is why we believe planning should go beyond projections.
It should help answer practical questions:
What do I need?
Where will income come from?
How do taxes, investments, insurance, and cash flow work together?
What needs to change as life changes?
A More Personal Way to Work Together
Front Porch Financial is a small, intentionally built firm.
As a husband-and-wife team, we’ve designed it to stay that way so we can remain closely involved in each client relationship.
That allows for a different kind of experience, one that’s quieter, more thoughtful, and built around long-term continuity. We believe meaningful financial planning happens through trust, consistency, and relationships that deepen over time.
A Final Thought
We started Front Porch Financial because we believe people should feel supported in their financial lives, not rushed through decisions. If this way of working resonates…
- Allianz Center for the Future of Retirement. “2026 Annual Retirement Study.” Conducted January 2026. Nearly half of Americans don’t have a written financial plan.
- BlackRock, 2026 Retirement Research. 81% of savers want tailored guidance.
- Yahoo Finance. “Nearly 50% of Americans Have No Written Financial Plan, and the Allianz Study Just Put a Number on How Much That Costs Them.” Published May 13, 2026. Only 45% of Americans know how they will turn their savings into income in retirement.
- Allianz Center for the Future of Retirement. “2026 Annual Retirement Study.” Conducted January 2026. Americans express significant anxiety about running out of money in retirement and the sustainability of Social Security and Medicare benefits.