The Financial Planning Process

Our comprehensive financial planning process begins with setting goals. We work with you to help you define your long-term personal and financial goals, understand your time frame for results, and discuss how you feel about risk. Whether you would like to spend your retirement traveling or leave behind a charitable legacy, we can help you set realistic expectations as you move toward your goals.

Our Process: Helping you chart a course to financial independence

Evaluating Your Financial Status
Through detailed analysis, we will determine what steps must be taken to reach your goals. We consider future inflation, changing tax laws, social security, the cost of health care, and many other factors.

Recommendations
Depending on the results of our analysis, we may determine that you are well on your way to reaching your goals. Perhaps you have adequate reserves and can afford to take less risk in your portfolio. Alternately, we may find that in order to achieve your goals, a combination of an increased savings rate, a delayed retirement, or a more aggressively positioned portfolio is required. We will discuss all parameters in depth to arrive at a strategy to which both parties can comfortably commit.

Implementing, Monitoring, and Adjusting the Plan
Once the best course of action is determined, the next step is implementation. We will adjust your investment strategy to align with our overall planning strategy. We may shift around your assets in order to optimize tax treatment. As your life continues to change over time, so must your financial plan. We will work together, making updates regularly to keep your plan on track. We encourage our clients to play an active role in the process by keeping us informed of new developments in their lives.