Our Planning Process

Financial planning is an important part of our service. We prepare plans for nearly all our clients since the process help us understand your long-term goals and dreams. It does involve detailed analysis but it ends with a set of clear recommendations that will help you prepare for the future dramatically improving the odds you will successfully meet your objectives. We also follow through and help you implement our recommendations. A financial plan should be viewed as a living document that adapts to changing circumstance whether it be in your life or events external to your life. Changes in your career, family circumstance, or tax laws should be reflected in revisions to your roadmap.

Our approach is collaborative, empathetic, and thorough; we carefully examine all aspects of your circumstance and use the most advanced technology to create projections. The planning process may involve 3-5 face to face meetings:

  • Picturing Your Future: We spend significant time getting to know you, documenting your goals and helping you map out your vision for the future. Listening to you is OUR priority here.

  • Document your Circumstance: Data collection is an important part of the process. We make it efficient and painless.

  • Preliminary Results Review: Confirmation that the information we are using in our systems is correct. Seeing things in black and white is important. This step allows you to make changes helping to make the plan your plan. After all you’ve hired us! We are your consultant.

  • Present your Roadmap and Discuss your Future: We want this to be a happy, enjoyable meeting. We help show you how you can achieve your goals and dreams and what steps you may need to take to improve the odds!

  • Monitor and Review: We like to circle back and review actions that have been taken and what effect those actions might have on your roadmap. We will revise it as needed to reflect those actions so you have the most up to date information. We have systems to help you remember what you need to do and when! Why should you have to remember everything? You hired us to help!

  • Things Change!: Over time things change, we suggest we periodically revisit your roadmap and revise it as needed. If we are helping you manage your portfolio we do not charge you for these revisions.

  • Lean on Us: Life is complicated, there are always decisions to make. Should I buy that second home? Should I buy or lease a car? How should I fund college? These questions may arise. We want you to know that we are always here to help you sort through the trade offs and what effect the decision has on the rest of your roadmap.

Many of our clients choose to transition to our Portfolio Management service after completion of their plan. If you do you will know that you will have your financial goals properly integrated with the management of your financial assets.

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