Emotionally intelligent Financial Planning
Meeting You Where You Are; Empowering You to Achieve More
Our financial planning process aims to help you optimize the monetary situation of you or your family. This involves making recommendations that actually fit who you are and how you live.
We offer comprehensive financial planning, as well as services aimed at helping people starting out on their journey to better financial security.
It is a serious point of pride for us to make financial planning accessible. We offer low account minimums and comprehensive financial planning services are available to every individual or family who invests with us at no additional charge.
If you don’t have money to invest with us, we can offer you standalone financial planning and guidance through our genPOWERMENT platform without the need for us to manage your investments.
When you work with us, you can feel that we’re different. Our fiduciary duty to our clients, our repeatable but highly-personalized process, and our guiding principles for financial planning mean that you have a financial partner upon whom you can depend.
dedicated to making financial advice Accessible
How You Can Receive Financial Planning Guidance from GCM
There are two ways to receive financial planning services from a qualified CERTIFIED FINANCIAL PLANNER™ professional here at Generation Capital Management:
Investment Services
GCM manages your investments—financial planning included
We have a variety of ways to manage your investments here at Generation Capital Management, and all individuals and families who have investments managed by GCM receive our financial planning services at no additional charge.
This is in line with our belief that effective investment management and education is only one piece of the overall financial wellness picture.
If you’ve considered working with a financial planner and have an investment account you would like to have a professional manage, we offer options for everyone that can help you manage investment risk and access financial planning guidance.
genPOWERMENT: Standalone Financial Planning
Unbiased guidance, no investments necessary, one low fee
Our standalone financial planning service genPOWERMENT by Generation Capital Management is changing the industry.
This platform allows us to offer you our high-value service from a CERTIFIED FINANCIAL PLANNER™ professional without us managing your investments. You can receive a full financial plan plus implementation support or month-by-month guidance.
Visit the genPOWERMENT page for details on this exciting opportunity or set up a time to talk to our financial planner. Our services meet you where you are today to help you achieve a more secure future.
Fully customized to provide the help you need
Ready to Help with Your Whole Wealth Picture or Just One Piece of the Puzzle
We view your financial life as being composed of eight key pieces. While we think that everyone can benefit from a comprehensive financial plan, we can help you work on just a single piece or a section of the puzzle just as easily. It’s our goal to meet you where you are and provide the assistance that you need.
Our Eight Key Areas of Focus in Financial Planning
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We help you analyze your current expenses compared to your income because the foundation of every financial decision is a strong understanding of your spending.
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We think of this as long-term goal planning and expense management because the idea of retirement looks different for everyone. Our process balances flexibility, longevity, and enjoyment to help you achieve the things you've always wanted while enjoying your life today.
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Financial wellness isn't built overnight--it comes from one informed choice building on another. We empower you with the knowledge you need to make good financial decisions a habit. Our ability to help you understand how your financial decisions relate to your daily life is part of what makes us unique.
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Everyone needs an estate plan. We'll look at your financial situation and identify risks that can stand in the way of your wishes being carried out when you pass away.
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Education is at the core of what we do here at Generation Capital Management. Our clients should understand their investments, how we're investing their money (if we are their investment manager), and how they can apply that knowledge to the accounts they manage themselves.
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Part of our objective is to give you the knowledge you need to manage your tax situation over the duration of your life in a way that keeps as much money with your family as possible.
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Not sure if you need insurance or how much is enough? We don't sell insurance but we understand it and can provide you with guidance through a needs analysis.
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Your employer might offer benefits of which you're not quite sure how to take full advantage. We'll help you understand your benefits so that you can maximize them!
Working with us feels different
Our Guiding Principles for Financial Planning
We are proud of our guiding principles and allow them to permeate every step of our financial planning process. We listen with the intent to help, not prescribe. This allows us to see the financial plan from your point of view.
Financial Planning is A Vital Component of Our Practice
Our objective is to provide financial planning services to every individual and family who works with our team. To that end, we offer financial planning services to every individual and family who invests with us at no additional cost.
Why? Because investments are only one piece of your financial puzzle.
In our eyes, financial planning is an opportunity for us to get to know what makes you uniquely you, then leverage our knowledge to help you utilize your resources in a way that amplifies that uniqueness. This includes helping you overcome challenges, optimizing your choices, and celebrating your victories.
Regardless of your level of income or wealth, working with a qualified financial planner is one of the best ways to help you optimize your finances and reach your destination.
Empowerment
We are educators first and we understand how complex the financial system can be.
To us, empowerment means listening to your concerns, celebrating your financial strengths, educating you on the risks you might face, and then helping you to move from where you are to where you want to be.
Our end goal is for you to feel confident using your money as a tool to amplify who you are.
Flexibility
We are not just looking at the quantifiable—we focus on creating the greatest flexibility possible. Life changes; goals change. We want to help make your finances as flexible as you are dynamic.
Functional Finance
Your relationship with money is informed by your unique experiences. And any strategy to improve your wealth has to work for where you are today.
That’s why we always start with understanding you emotionally.
Having a deep knowledge of where you are now, how you arrived there, and what you want your future to look like is the foundation for making improved, sustainable choices.
To achieve that, we take the time to learn about your situation, history with money, family dynamics, how you interact with money, challenges, hopes, and any hurdles that you might face.
We call this functional finance.
leave behind the status quo
What Sets GCM a World Apart from Our Peers
We take our fiduciary duty seriously: how can we say that we provide advice in the best interest of the client if we never challenge the typical solutions? That’s why we constantly seek new knowledge and technologies that allow us to better serve you.
Informed by Best Practices
Our CERTIFIED FINANCIAL PLANNER™ professional John Howe-Wemett works directly with each of our financial planning clients.
John has spent the past decade helping hundreds of families and individuals from all walks of life navigate our complex financial system.
But he is not one for relying on worn out rules of thumb.
Having earned his master’s degree in personal financial planning and serving as an adjunct professor in financial planning, John has developed the habit of vetting financial planning recommendations through research. This leads him to new and interesting ways to increase the financial efficiency of our clients.
Not Just for the Wealthy
We offer a standalone financial planning platform—genPOWERMENT by Generation Capital Management—that allows people to receive exceptional financial guidance from our CERTIFIED FINANCIAL PLANNER™ professional even if they don’t have any money to invest with us here at GCM.
More Than a Financial Plan
Our CERTIFIED FINANCIAL PLANNER™ professional helps clients with things like understanding their emotional relationship with money, analyzing their annual spending, finding more room to save, and figuring out how to get the most out of their money at every point in their lives.
If it has to do with your money, we have a way to help.
Underpinning Every Interaction: Fiduciary Duty
As a fee-only Registered Investment Advisor, the team at Generation Capital Management has a fiduciary duty to all of our clients. We approach every client interaction with this responsibility in mind.
Our financial planner is a CERTIFIED FINANCIAL PLANNER™ professional who must adhere to not only GCM’s Code of Ethics, but also the strict Code of Ethics and Standards of Conduct set forth by the CFP Board. In addition to GCM’s fiduciary responsibility, the CFP Board requires all CERTIFIED FINANCIAL PLANNER™ professionals to act as a fiduciary for their clients.
We do not charge commissions, we do not sell insurance, and we will make clear any conflicts of interest during the course of our work together.
The result: recommendations that you can trust from a team with your best interests at the core of everything that we do.
Our Approach to Financial Planning
Financial planning is as much an art as it is a science. Some of our peers see financial planning as a means to an end, but we practice financial planning for the sake of perfecting the art.
Repeatable Process
Our financial planning work follows a consistent process upon which our clients can depend.
Tailored to Your Needs
We’ve helped households just like yours improve their financial lives, but every financial situation has nuance.
While our process is consistent, we do not try to fit you into a box. We embrace your priorities and the things that make you unique. Wherever you are in your financial journey, we are confident that our advice can provide value and a greater sense of empowerment.
Here’s a dirty little secret: very few people feel like they have their finances in order. And too many people think they need to be wealthy or organized to receive guidance.
But the perfect time to start working with us is right now.
Don’t wait to reach out until you think you’re successfully adulting. We can help you wrap your arms around your situation and get organized.
