We implement a holistic approach to the financial planning process. It is not just about where you are today, but where you want to be.
It’s your financial future and we will custom tailor solutions in your financial plan to address your unique goals and concerns.
 
Here are the SIX STEPS in our process and what you can expect.

  • 1. Mutuality of Interest

    What To Expect From Us

    • Explain issues and concepts related to the overall financial planning process
    • Explain the services we will provide and the process of planning and documentation
    • Clarify your responsibilities as a client
    • Clarify our responsibilities including a discussion about how and by whom we will be compensated

    We Should

    • Discuss the scope of the client/planner engagement
    • Agree on how decisions will be made
  • 2. Discovery

    What To Expect From Us

    • Make every effort to understand your life goals and how your finances can impact those goals
    • Obtain information about your financial resources and obligations
    • Gather all necessary information and documents before giving you advice you need

    We Should

    • Investigate your values, preferences, financial outlook and desired results as they relate to your financial goals, needs and priorities
    • Define your personal and financial goals, needs and priorities
  • 3. Assess

    What To Expect From Us

    • Analyze your information to assess your current situation (including cash flow, net worth and tax projections)
    • Identify any problem areas or opportunities with respect to your current financial situation
    • Capital Needs
    • Risk Management
    • Investments
    • Taxation
    • Retirement Planning
    • Employee Benefits
    • Estate Planning
    • Special Needs (i.e. adult dependent needs, education needs, etc.)
  • 4. Design

    What To Expect From Us

    • Develop and prepare a financial plan tailored to meet your goals and objectives, values and risk tolerance while providing projections and recommendations
    • Present the plan to you
    • Establish an appropriate review cycle

    We Should

    • Work together to ensure that the plan meets your goals and objectives
  • 5. Implement

    What To Expect From Us

    • Assist you in implementing the recommendations discussed (if that is what you want moving forward).
    • This may involve coordinating contacts with other professionals such as accountants, lawyers and specialists.
  • 6. Monitor

    What To Expect From Us

    • Periodically contact you to review the progress of the plan and make necessary adjustments to the recommendations to help you achieve your goals.
    • This review should include:
    • A review and evaluation of the impact of changing tax laws and economic circumstances
    • A review of your life circumstances and an adjustment of the recommendations if necessary
    • Circumstances often change through life events such as a birth, death, illness, marriage or retirement

    We Should

    • Agree on who will monitor and evaluate whether your plan is helping you progress toward your goals.