Broker Check

Our Process

Client Centered

1. Assess Needs and Goals

First, we want to define your goals. We’ll ask a lot of questions and do even more listening to fully understand your needs and life goals.

2. Organize Financial Data

Next, we’ll objectively identify and provide the appropriate strategies and tools to reach your goals. Relevant information includes risk tolerance, time frame, goals, current savings, current risk management, family dynamics, experience with financial planners, children and their ages, and hobbies.

Providing detailed information allows us to help you with organization, bringing order to your financial life and helping you prioritize and follow through on financial commitments.

3. Evaluate Financial Status

Once we have the necessary data in front of us, we’ll assesses your current situation and determine what steps must be taken to move forward with a financial plan. Depending on your needs, this assessment could include analyzing assets, liabilities, current cash flow, future cash flow, insurance coverages, tax strategies, and investment allocations. 

4. Develop Proactive Plan

Once goals and resources have been defined and analyzed, you will have a clearer picture as to whether your plan will take you where you want to go. Perhaps you need to increase your savings rate per month, adjust your asset allocation, or take another course of action. Whatever is chosen, we’ll educate you along the way, making recommendations as needed. Our goal is to help you thoroughly understand your plan and the risks involved.

5. Implement Planning Strategies

After developing a proactive plan, we’ll agree on how to proceed – you may wish to carry out implementation or have us to implement the plan for you. Our partnership allows us to help you achieve the best life possible.

6. Monitor and Continually Adjust

Lastly, we’ll monitor and continually adjust the plan. A financial plan will evolve over time and change according to life events. Marriages, divorces, career changes, children, tax law changes, inflation, stock market fluctuations, recessions and more all require newer perspectives on how best to manage your finances in keeping with your goals.