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A Plan For Your Future.

Based on experience with our clients, we have developed a finely tuned process that will lead you through the following six stages of financial planning.



Establish and define the client-financial professional relationship

We begin by discussing how we can work together to develop and implement your financial
plan. We need to understand your financial situation, but we also want to help you define your
goals. We start the process by:

  •  Discussing your situation
  •  Establishing a fee
  •  Securing basic documents


Gather client data, including goals and expectations

The more detailed information we can obtain, the more customized and accurate your
personal financial plan can be. We conduct a holistic audit of your current estate, investment
and business owner situation (if applicable). Based on this information, we develop a
comprehensive financial condition model of your current situation, including cash flow,
tax reduction strategies and estate distribution projects. Highlights of this stage include:

  •  Formalizing our working relationship
  •  Gathering appropriate financial data, objectives and risk tolerances
  •  Discussing and establishing goals
  •  Discussing attitudes, views and concerns


Process and analyze information to determine financial needs

We analyze information gathered from the financial condition model to identify gaps and opportunities between your current financial planning and your objectives and risk tolerance.
This helps us determine to what level you are meeting your financial goals with your current strategy. This stage focuses on:

  • Reviewing your data and assessing your status relative to goals, objectives and attitudes
  • Analyzing and evaluating your current financial status
  • Confirming and clarifying your data
  • Preparing a preliminary financial plan
  • “Trying-on” ideas, including key financial professionals, as needed, and refining recommendations


Develop and present financial planning recommendations and/or alternatives

Based on your input and our analysis, we offer alternative strategies and identify solutions that are an
appropriate fit for your personal situation and, most importantly, are consistent with your objectives.
This stage – one of the most important in our process because it is where the financial planning takes
shape – includes:

  • Presenting a final plan document
  • Answering questions
  • Establishing an action plan


Implement the financial plan recommendations

We present the specific recommendations that will help toward meeting your needs, and discuss the pros,
cons, risks and costs for each recommended alternative. This helps ensure that you will make an informed
decision. Some aspects covered in this stage are:

  • Coordinating with your other financial professionals
  • Reviewing and recommending specific financial products necessary to implement the financial plan
  • Assisting you in implementing the financial plan


Review the financial plan recommendations

Many factors can impact the viability of your financial plan in the future – a life event, unexpected expenses
or income, a change in taxes, etc. We meet with you to check the status of the financial plan by comparing
actual results to initial assumptions to determine if adjustments need to be made. This final stage of the
process centers around:

  • Analyzing ongoing issues
  • Making adjustments as your situation changes
  • Keeping your financial plan updated and current