To build a
thriving partnership
we follow a detailed process

To develop your financial plan, we follow a comprehensive, six-step process developed by the Certified Financial Planner Board of Standards. It is designed to help us develop a true sense of who you are and what you expect, so that we can build a unique strategy with which to pursue your goals. It also provides the necessary framework to enable us to work together in a true partnership and helps build the foundation for a relationship that will grow and strengthen over time – from one milestone to the next.

We will clearly explain and document the services we will provide and define everyone’s responsibilities. This first step also includes a discussion of how we will be compensated, how long our professional relationship should last and how decisions will be made.

We will assemble all information regarding your financial situation, mutually define your personal and financial goals, understand your time frame for results and discuss your tolerance level for risk. This is vital information we need before moving forward.

We will analyze your information to assess your current situation and determine what action is required to meet your goals. This step may include analyzing your assets, liabilities, cash flow, insurance coverage, investments and tax strategies.

We will offer financial planning recommendations that address your goals, based on the information you provided. We will review recommendations with you and help you understand them, so you can make informed decisions. We will carefully listen to your questions and concerns and revise our recommendations, as appropriate.

Once the financial plan meets with your approval, we will carry out our recommendations, coordinating the process with you and, when appropriate, other professional advisors, such as your accountant or attorney.

We will monitor the progress toward your goals and report to you periodically, review your situation and adjust the plan, if needed, as your life changes.