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Our Planning Process

Through our financial planning services, we utilize a holistic six-step process:

1. Establishing Our Relationship

Transparency is key in every client-advisor relationship. During this initial meeting, we explain the services we offer, how we work, the fees we charge, and how the financial planning process works, and an estimated timeline. This step is intended to help you get a better idea of what you can expect when working with us and what you will receive.

2. Discover Your Goals

The second step is similar to an interview. We ask you a number of questions to gather detailed information about your financial circumstances, goals, concerns, risk tolerance, and time horizon. Sometimes, clients don’t entirely know what their goals are until they start this step. We rely on this information to get to know you on a deeper level and understand your motivation and vision of financial independence.

3. Analyze Your Financial Situation

Once we understand your personal goals, we dive into your finances, analyzing your assets, liabilities, cash flow, insurance coverage, investments, financial statements, and more. This helps us understand what you must do in order to achieve your goals. Using sophisticated and user-friendly financial planning software and robust Social Security software, we show you interactive scenarios of various financial outcomes, depending on how you choose to invest or what goals you want to achieve.

4. Develop Recommendations

We present personalized recommendations that address your goals, and review them with you. We listen to any concerns you have and answer any questions before you decide how you’d like to move forward. If you choose to implement and manage your plan yourself, rather than have us assist, the process would end at this step.

5. Implement Your Plan

Once we agree on the recommendations with which to proceed, we execute your financial plan, developing a timeline and schedule, and coordinate any necessary efforts with your other professionals, such as an accountant or attorney.

6. Monitoring Your Plan

In the final step, we determine how to monitor your progress. Periodically, we review your plan and make any necessary adjustments. Beyond scheduled review meetings, we are always available to answer any questions you may have.