Our Process

1. Understanding the Client’s Personal and Financial circumstances

We get to know you: Age, income, dependents, assets, liabilities, cash flow, taxes, insurance, values, attitudes, and expectations are all examples of what we could ask to best collaborate.

2. Identifying and Selecting Goals

• We discuss and clarify your needs, and near-term, mid-term, and long-term goals.
• We prioritize these needs and goals.

3. Analyzing the Client’s Current Course of Action and Potential Alternative Courses of Action

• What is already in place to meet your needs and goals?
• What are the disadvantages of your current course of action, and what are the potential opportunities?

4. Developing the Financial Planning Recommendation

We’ll consider the following in developing our recommendations:

• Assumptions and estimates
• Basis for making the recommendation
• Timing and priority
• Is the recommendation independent, or must it be implemented with another recommendation?

5. Presenting the Financial Planning Recommendation

In an easy to digest format (in writing, in person, interactive presentation), we’ll present the recommendations and explain the information that was considered in developing the recommendations.

6. Implementing the Financial Planning Recommendation

• We’ll explain options for actions, products or services which align with the recommendations and identify who will be responsible for implementing them.
• We’ll recommend specific actions, products, or services, and assist you in implementing them.

7. Monitoring Progress and Updating

• We’ll establish monitoring and updating responsibilities.
• We’ll monitor your progress and update as needed.