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Financial Planning Process

Comprehensive Financial Planning: For all stages of life

The financial planning that we engage in is not a once in a lifetime event. It is evolutionary, taking into account ongoing changes in your life, your resources, and the financial decisions you need to consider. Planning is customized to your objectives, priorities and values. It is comprehensive and integrated, capable of addressing a wide range of financial circumstances and concerns.

Most of our clients come to us because they are looking for guidance throughout their life stages from accumulating assets as they prepare for retirement to asset distribution strategies while in retirement. We address their needs by determining an appropriate rate of spending and distribution during your retirement years. We understand that a key concern for most clients is that their money lasts throughout their lifetime. By working with you to navigate through these momentous milestones, we strive to help you gain financial confidence, knowing that someone else is looking out for your best interests.

The financial planning experience progresses through four steps:

  1. Step 1: Discover
    Before we jump into the numbers, we will spend some time talking about you, your family, and what's important to you. Beginning with what motivated you to come in and what you are looking to accomplish will help us better address and help you seek to accomplish your goals.

  2. Step 2: Plan
    Based on the results from the discovery phase, we will assess where you are now in relation to your short and long term goals and identify any gaps that exist. We will then weigh the pros and cons of alternative strategies to determine which path could provide you with the highest probability of success.

  3. Step 3: Strategize
    After analyzing the various strategies, we will develop and recommend specific strategies to help you work towards addressing your goals. We will then present the plan to you, engage in a joint discussion about next steps and then, based on our mutual agreement, implement the plan.

  4. Step 4: Monitor 
    This last and ongoing step involves following up on the implementation of the plan as well as discussing any economic or life changes that we may need to address. We'll help you plan for the unexpected, anticipate changes, and adjust your plans over time, as necessary.