Discovery

Getting to know you and your dreams

In our first meeting together, we will take the first few minutes to provide you with an overview of our cash flow based  financial planning process.  We will describe our investment philosophy, our various investment account options and insurance product offerings, and the numerous compensation options that are available to you.

After this introduction, if and only if  you are comfortable with how we serve the families who choose to deal with us, the meeting will shift to be all about you.  We will ask you questions about your goals and collect information from you about your current financial position.

Proposal

We will spend considerable time analyzing your unique situation.

In preparing Your Plan, we will give you a snap shot of where you are financially.  Then there will be a series of steps that we suggest you take now and at points in the future.  These personalized recommendations will be a roadmap to get you to where you want to be, in the most concise, tax efficient, stress free way possible.   Your Plan will give you a sense of  your financial future. 

Your Plan will be presented to you in a way that you will understand, regardless of whether you are new to investing or have a high level of financial sophistication.

We have found that to make Your Plan work, it must balance today’s lifestyle desires with tomorrow’s goals. No one has a money tree growing in their back yard.  Our role is to figure out how to help you make the right choices.

Balancing Today with Tomorrow

Commitment

We feel strongly that you spend time reviewing our recommendations after our Proposal meeting.  We will make ourselves available to answer all questions.

We want you to feel encouraged that you will be able to reach your goals via Your Plan and will be motivated to act upon our recommendations.  After receiving your consent to proceed, we will prepare the documentation necessary to put Your Plan into motion.

Progress

We will meet regularly, to assess how you are progressing toward your goals.

This is crucial.  We feel strongly that every year, you should know if you are ahead or behind.  If life has changed significantly, or your goals have, we will modify Your Plan with new, appropriate recommendations.

Review

You have done it.  Your commitment to saving, combined with our guidance has put you where you wanted to be.

Once you reach your goals, we will continue to meet regularly to ensure that you remain in financial good health.  A healthy , sustainable portfolio withdrawal rate, combined with well thought out estate planning will ensure that you and your family enjoy everything you have worked for.