Step 1 - Define the Relationship
Our services are clearly explained to you upfront, so there are no unanswered questions regarding client vs. planner responsibilities. We believe that early on in the relationship, all parties should agree on how long the professional relationship should last and on how decisions will be made.

Step 2 - Establish Financial Goals and Gather Data
As your financial planner, we will need information about your financial situation. We will conduct a comprehensive fact finder session. We will work with you to mutually define your personal and financial goals, gain an understanding of your time frame for results and discuss, if relevant, your risk tolerance. We will gather all of the necessary documents before giving you the advice you need.

Step 3 - Analyze and Evaluate Your Financial Status
After gathering your data and establishing your financial goals, we will analyze your information to assess where you are today, where you want to be tomorrow and determine how we can help you attain your goals. Depending on what services you have asked for, this could include analyzing your assets, liabilities and cash flow, current insurance coverage’s, investment management, retirement projections and income planning and estate planning or tax strategies.

Step 4 - Develop and Present Financial Planning Recommendations
Once the analysis and evaluation step is complete, we will make appropriate financial planning recommendations that address your goals, based on the information you provided. During this step, we will take the time necessary to fully explain our recommendations to you and answer any questions you may have, to help you make informed decisions. We are there to listen to your concerns and revise the recommendations as appropriate.

Step 5 - Implement the Financial Plan
When an agreement is reached regarding how our recommendations will be carried out, you may choose to have us implement the plan for you through our various relationships in the marketplace.

Step 6 – Monitor and review the Financial Plan
It is important to regularly monitor your progress towards your financial goals. We will conduct periodical reviews of all aspects of your plan. We will make any adjustments, if necessary to accommodate any market, economic or life changes that may have occurred.

Financial Planning Process

Step #1 Initial Interview
Step #2 Engagement and Data Collection
Step #3 Plan Design
Step #4 Plan Presentation
Step #5 Implementation
Step #6 Review and Service

Modular Planning Approach

This service addresses the clients' need to focus on one or two areas of need. We will help you identify your current position, future goals and objectives. We will then analyze and evaluate your situation and then develop and implement a strategy to achieve your goals. Maybe you just need help with life insurance or retirement income distribution planning. We can help you in each area of need.