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Distribution Planning in Boise, ID

At OnePoint BFG Wealth Partners, we believe financial planning is about more than money—it’s about building a life that reflects your goals, values, and purpose.

Led by Sean McCarthy, CFP®, ChFC®, RICP®, our Boise-based financial planning team helps professionals, business owners, and families make smarter financial decisions.

Whether you’re planning for retirement, managing equity compensation, or balancing growth with security, our goal is simple—to help you make your money work in alignment with your life. 

Why Financial Planning Matters

A solid financial plan connects every part of your financial life—investments, taxes, retirement income, and estate planning—so each decision supports your long-term goals.

Without coordination, it’s easy to miss opportunities, duplicate effort, or pay more in taxes than necessary. That’s where our Boise fiduciary advisors come in—to help you organize, prioritize, and act confidently.

 

Our Financial Planning Process

  1. Discovery and Goal Setting
    We start by understanding what’s most important to you—your career, family, and future goals.
  2. Comprehensive Analysis
    We review your cash flow, investments, retirement accounts, insurance, and tax exposure to uncover inefficiencies or gaps.
  3. Personalized Strategy Design
    We create a financial roadmap that aligns with your goals—balancing growth, protection, and flexibility.
  4. Implementation and Coordination
    We work directly with your CPA, attorney, or other trusted professionals—or connect you with ours—to ensure everything is integrated and efficient.
  5. Ongoing Monitoring and Adjustments
    Your financial plan should change with your life. We meet regularly to review, refine, and adjust your strategy as your goals evolve.

Financial Planning Core Areas of Focus

  • Retirement Planning in Boise, ID
    Design a retirement income strategy that maximizes your savings, coordinates Social Security, and manages taxes—so you can retire with confidence.

  • Investment Management
    We build customized, evidence-based portfolios tailored to your goals, time horizon, and risk tolerance.

  • Tax Efficiency Planning
    We help reduce your long-term tax burden through smart asset placement, Roth conversions, and strategic withdrawal planning.

  • Estate and Legacy Planning
    Protect what matters most with coordinated estate strategies that align with your values and minimize family stress.

  • Insurance and Risk Management
    From life and disability insurance to long-term care and asset protection, we help you safeguard your family and your future.

  • Business Owner Financial Planning
    For Boise entrepreneurs, we integrate your personal and business finances—from retirement plan design to exit and succession strategies—ensuring your business supports your long-term goals.

Who We Serve

We work with Boise professionals, business owners, and near-retirees who want more than basic investment advice—they want a strategic partner. We also serve clients nationwide.

Our clients are growth-minded, family-oriented, and value proactive guidance. Whether you’re building wealth, planning retirement, or managing a business, our Boise financial planners help you simplify the complex.

Why Work With the Sean McCarthy Team

  • Fiduciary Commitment: We always act in your best interest—no commissions or hidden incentives.

  • Local Expertise, National Insight: Based in Boise, we serve clients across Idaho and beyond.

  • Collaborative Approach: We coordinate with your CPA and attorney to keep all parts of your plan connected.

  • Proactive Guidance: We anticipate tax law changes and life events to keep your plan ahead of the curve.

  • Clarity and Confidence: Every recommendation is explained in plain English—no jargon, no confusion.

Financial Planning Frequently Asked Questions (FAQs)

What does a financial planner do?

A financial planner helps you manage all aspects of your financial life—investments, taxes, retirement, and estate planning—so your money works together toward your goals. 

Do I need a financial planner if I already invest?

Yes. Investments are only one piece of the puzzle. A planner ensures your portfolio, taxes, and long-term goals stay coordinated—especially important for Boise professionals and business owners. 

What does “fiduciary” mean?

The term fiduciary means we’re legally required to put your interests first. Our advice is fee-based, transparent, and completely independent of product sales. 

How is your firm different from other Boise financial advisors?

We combine local relationships with a national-caliber planning process. You’ll get personal attention, a clear plan, and ongoing accountability from an experienced CFP® professional. 

How do you charge for financial planning?

We’re fee-only. You’ll know exactly what you pay and what’s included. 

Will you coordinate with my CPA or attorney?

Absolutely. We often work alongside your other professionals to ensure your plan is tax-efficient and legally sound. 

How often will we meet?

We typically meet at least once a year, or any time your life changes—new job, retirement, inheritance, or business growth. 

Is my plan a one-time report?

 No. It’s a living strategy that evolves as your goals and circumstances change. We’ll adjust it proactively to keep you on track. 

Investment advisory and financial planning services offered through Bleakley Financial Group, LLC, an SEC registered investment adviser, doing business as OnePoint BFG Wealth Partners (herein referred to as “OnePoint BFG”).

 

The information contained herein is provided for informational and discussion purposes only and is not, and may not be relied on, in any manner, as legal, tax, accounting or regulatory advice nor does this constitute an offer to sell or a solicitation of an offer to buy any securities and may not be used or relied upon in connection with any offer or sale of securities. The information, as set forth herein, should not be construed or interpreted as OnePoint BFG’s guarantee of any particular investment outcome or a guarantee of future investment returns or results.