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OUR PROCESS

A Proactive Planning Approach

A detailed planning process is the best way to establish financial security. Once we get to know you we can begin to develop a dynamic plan that will meet your immediate needs and goals while adjusting for changes in your professional and social life down the road. We are in it together for the long haul.  

The beauty of your plan will be your ability to change it.  This kind of flexibility is to your advantage because your goals will change as time goes by.  There’s no need to put off planning.  The time is now.

To the left is a diagram that explains our process of working with prospective clients and existing clients.  Our unique consultative process aims to discover and regularly rediscover your goals and aspirations for the future to make sure we remain on track for your financial success on your terms.

Our unique planning steps are outlined below:

1)  ESTABLISH THE RELATIONSHIP

This step is accomplished by meeting to discuss your expectations and ours. We ask questions and listen to understand what you are trying to achieve. We answer any questions you might have. Our focus is to understand what you may need from us and how we may best assist you. We mutually determine the scoop of our relationship and how we will work together.

2)  GATHER INFORMATION

We will provide you a list of documents you will need to organize and then provide us.  You will share your key financial details.  This part of our process is the quantitative side (data) and think of this as the frame to a car.  A sturdy car frame is important to the integrity of the vehicle, but it cannot move itself.  We will gather and organize all your important financial information.  This will allow us to gain an understanding of your past investment history.

But it is your qualitative side (feelings) that is the engine that drives the car.  This is the part that helps us understand why decisions were made in the past and how those experiences have shaped your outlook.

The foundation of a sound financial plan is having a clear understanding of what you are trying to accomplish so creating a picture of where you stand financially is important.

Gather the following documents to upload to your secure Box account that we will provide you or you can bring with you during our initial meeting:

DOCUMENTS TO GATHER

EXPENSES

3)  EVALUATE YOUR FINANCIAL STATUS – EXPLORATION PHASE

This is where the fun begins:  our first meeting.  We will ask questions and then listen.  The answers given allow us to grow to know you and all that you want to achieve.  The questions most likely will open up avenues that you have not ventured down in the past and will provide the structure needed to shape your goals.  The purpose of this step is to build your tailored financial plan.  Your financial plan will become the backdrop to all our future conversations and drive our investment recommendations.  We will have an interactive discussion where we will discuss our approach to financial planning. 

After this meeting, we will build you personalized strategies tailored to your specific needs and goals to maintain and/or attain your ideal lifestyle.

4)  IMPLEMENTATION AND RECOMMENDATIONS

We will share our findings and discuss investment options.  We will discuss your current investment strategies and talk about alternatives that you may not have considered.  We will discuss the pros and cons of different investment approaches.  Implementation includes the proper allocation of your assets and investments in financial products that are well suited to your risk tolerance and needs.

We will also discuss your insurance protection strategy.  It does not make sense in saving, investing wisely and then risking your assets with too little insurance or having the wrong kind.

You will be presented with a comprehensive plan/recommendations based on your financial history, where you stand today and what your financial goals are for tomorrow. Your recommendation is customized to help you pursue your financial goals.  Your plan will include a detailed action list.  At this point, we are both clear on how we will invest and the reasons for it.

5)  BENCHMARK YOUR PROGRESS AND ONGOING ADVICE

Your priorities and goals will inevitably shift through time which is why we are here to proactively prepare your plan…and then change it over time.  We embrace change.  We understand that life seldom follows a straight path towards your goals.  As your life circumstances facilitate a different approach to financial planning, wealth management, and savings options, we will be a constant presence to ensure that your plan transitions along with you. We adjust as life changes impact your progress towards your financial goals and life transitions, e.g., marriage, children, unforeseen events, divorce, family loss, etc.

To sum up our process one word: tailored. Depending on you and your goals, we can use a variety of investment strategies to achieve your goals.

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