Our Process

No matter where you find yourself today or see yourself in the future, we can help you find your financial balance and bring your dreams and goals within closer reach. Our planning, like our advice, is straightforward and personalized to your specific needs. As your circumstances and priorities change over time, we are here to help you through those changes, adapting your financial plan and investments as needed.

We follow a comprehensive, six-step process developed by the Certified Financial Planner Board of Standards. These steps serve as the foundation to see you through the saving, growth and ultimately the careful distribution of your assets.

1. ESTABLISH AND DEFINE OUR RELATIONSHIP

We sit with you to discuss how decisions will be made. Financial decisions are too often made randomly, resulting in a portfolio that is less than cohesive. We focus on planning that takes each decision into consideration so that every component works toward your financial goals – from accumulation to distribution.

2. GATHER INFORMATION AND ACCESS YOUR GOALS

It is important that we gather all the pertinent and relevant financial information, including your tax returns, investment statements, loans, estate documents and insurance. From this, we compile all information regarding your current financial situation, mutually define your personal and financial goals, understand your time frame for results and discuss your tolerance level for risk.

3. ANALYZE AND EVALUATE YOUR FINANCES

We analyze the information to assess your current situation and determine what action is required to meet your goals. This step may include an evaluation your assets, liabilities, cash flow, insurance coverage, investments and tax strategies.

4. DEVELOP AND PRESENT FINANCIAL PLAN RECOMMENDATIONS

We offer financial planning recommendations that address your goals, based on the information you provided. We review the recommendations with you and help you understand them, so you can make informed decisions. We address your questions and concerns and revise our recommendations, as appropriate.

5. IMPLEMENT THE FINANCIAL PLAN

Once the financial plan meets with your approval, we carry out our recommendations, coordinating the process with you and, when appropriate, other professional professionals, such as your accountant or attorney.

6. MONITOR THE FINANCIAL PLAN

We will monitor and update the plan as necessary to ensure that your goals are still on target. Even small changes in your life can have a profound impact on the structure and direction of your financial plan. We will review, benchmark, communicate regularly, and adjust when required to help ensure the success of your long-term wealth strategy.