The Process

To read this planning process, see below (Or click here)

Each Stonegate client possesses a unique set of facts and circumstances that requires attention to detail.  We are committed to an extensive planning process which incorporates all facets of your financial situation and is not just limited to your investments assets.

Delivering a customized, comprehensive and timely financial plan is an essential part of our fiduciary responsibility to you.

The following key areas are considered:

• Risk Management; including but not limited to: life insurance, disability insurance, health insurance and property and casualty insurance. Risk management may also include planning for long term care costs and for your lifetime extending an age once thought unattainable just a few years ago.
• Educational Planning; In this competitive economy many of our clients now want to plan for both graduate and post-graduate education for their children.
• Cash Management, Savings, Credit, and Debt Planning; Cash management is key to goal achievement. Proper debt management is just as important.
• Estate Planning; Plans in the past have been driven more by tax avoidance, while that may still be an issue, other issues have become just as important. Many people these days have large sums of money in IRA’s which can complicate planning yet lead to enormous opportunity for their descendants. Proper estate planning provides families with enhanced opportunities to leave legacies and help their children and grandchildren.
• Retirement Planning; This is the traditional name for what we call “financial independence” planning. Many people may want to retire at a young age and pursue other interests or continue working past traditional retirement ages because they love what they do. We look at many options and various scenarios in our analysis.
• Tax Planning; you know the old saying: “Don’t let the tax dog………..” We believe that yet also believe you should minimize taxes using any legal means available to you. Taxes are carefully considered in all of our recommendations.

Please click here to view our full planning process in greater detail

To read this planning process, see below:

Investment Advisory Cycle

    1)  Initial Meeting(s):
            Initial introduction and interview with Stonegate Wealth Management (SWM) representative.

    2)  Stonegate is Formally Retained
        There is mutual agreement on SWM’s advisory role & SWM is retained.

    3)  Comprehensive Financial Planning
            Investment analysis and comprehensive planning – customized for each client
                a.  Portfolio analysis and recommendations
                b.  Tax analysis
                c.  Retirement plan/IRA distribution and cash flow analysis
                d.  Insurance analysis
                e.  Estate and multi generational succession planning
                f.  Education funding analysis; distribution cash flow analysis

    4)  Review and Approval of Financial Plan
            SWM recommended portfolio reviewed; consider potential outcomes of investment allocation

    5)  Implementation of Financial Plan
            Implementation of investment reallocation and other planning changes

    6)  Portfolio Review
            Systematic portfolio review and rebalancing

    7)  Regular Meetings
            Regularly scheduled client meetings & open access at other times