Our Process

Taking the mystery out of achieving your financial goals.

  • This conversation will help determine if our expertise will match your needs. We will review a series of questions to evaluate your situation to ensure we can meet your needs.

  • This meeting is all about learning your hopes, dreams and goals for your planning. The information you provide will guide our analysis.

    • What age do you can you work because you want to not because you have to?

    • Are you overpaying in taxes?

    • Can your portfolio be improved?

    • Can you eliminate the threats to accomplishing your goals?

    • What do you need to do to accomplish your goals?

  • We will leverage our years of experience and countless hours of training to create a personalized financial plan tailored to your needs.

  • In plain English, we will discuss your specific strategies to accomplish goals and implementation schedule. Including the answers to the questions from our analysis along with other questions that arise.  From there you hire us.

  • It is time to begin implementing your plan. Tasks will be for the client, financial advisor, and the client's CPA and/or Estate Planning Attorney.

  • Once the plan is underway, we will continue regular meetings in short intervals until the entire plan has been fully implemented. In these meetings we will discuss life changes and make adjustments as needed.

  • Once the plan has been implemented we will meet regularly to discuss investments and progress towards financial goals to ensure success of the plan. 

  • We are always on call for our clients. If a simple question or unexpected life event arises we will always make ourselves available to meet or have a phone conversation. At the end of the day this is what it means to be by our clients side throughout their life.

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

Build wealth by planning ahead.

What’s Included in the Customized Planning and Services

Financial Planning

We listen to your goals and help build a financial plan that is easy to implement.

    • Goal Setting

    • Budgeting and Cash Flow Analysis and Management

    • Emergency Fund Planning

    • Debt Management

    • Tax Planning Strategies

    • Education Planning

    • Investment Planning

    • Retirement Planning

    • Estate Planning Strategies

Your estate and trust planning deserve careful attention. Our experienced advisors will help ensure your values are upheld for you and your loved ones.

Estate Planning

    • Estate goals and objectives

    • Inventory of assets

    • Beneficiary designations

    • Guidance on Wills and Trusts

    • Tax planning from an estate perspective 

    • Gifting strategies

    • Life insurance planning

    • Charitable giving strategies 

    • Asset titling

    • Legacy planning

    • Coordination with estate planning attorney and accountant

    • Periodic reviews

Through our models and experience we will help grow and protect your wealth.

Investment Planning

    • Portfolio design based on goals and preferences

    • Investment selection

    • Asset allocation

    • Ongoing portfolio management

    • Tax efficient strategies and advice (tax loss harvesting, Roth IRA conversions, tax deferred accounts)

    • Ongoing financial planning integration 

    • Investment behavioral coaching 

    • Continued advice and support

    • Fee transparency

We all want our kids to get a good start on life, but college is getting more and more expensive.  We can help you navigate these costs and put together a plan to fund college.

College Planning

    • College education goal setting

    • College savings analysis (how much to save)

    • College funding savings plan development (where to save)

    • Investment strategy

    • Financial Aid planning

    • Tax optimization

    • College cost reduction strategies 

    • Loan strategies

    • Coordination with other financial goals

    • Financial and estate planning integration

    • Tools and projections on the cost of college

    • Ongoing reviews

You have worked hard and now it is time to enjoy the fruits of your labor.  We will help you plan for the future you desire.

Investment Management

    • Investment Goal Setting

    • Risk Tolerance Analysis

    • Financial Pan Integration

    • Time Horizon Definition

    • Asset Allocation Strategy

    • Tax Efficiency Planning

    • Distribution Strategy (how to effectively pull money from accounts)

    • Liquidity Planning

    • Risk Mitigation

While we cannot predict the future, we can protect against the uncertainties in life.

Insurance Planning

    • Risk assessment 

    • Insurance needs analysis

    • Review of current coverages

    • Education and guidance

    • Life Insurance planning (how much, how long, purpose of the death benefit)

    • Disability insurance planning (income replacement, short and long term analysis)

    • Long Term Care insurance planning (how will you cover a future LTC expense?)

    • Financial plan and estate Planning integration

    • Premium cost analysis

    • Policy ownership and beneficiary advice

    • Ongoing reviews

Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.