Process

Comprehensive Financial Planning involves detailed review, analysis, and coordination of all facets of your financial situation, including the eight key elements outlined in the Services section of this website. Only through such an integrated comprehensive approach can your true financial condition be determined and the proper plan be developed and implemented.

Our ultimate goal is to be the financial intermediary for all of your financial questions and concerns, as well as the coordinators and facilitators of planning services required with either our professional network of CPA’s, attorneys, and insurance agents, or with those of your choosing.     

We view each individual, family, or business as unique, requiring a customized plan that takes into account all of the key elements you have put in place, considering not just the values of your financial assets, but also what you value most in life.  We then identify gaps and potential issues, define short- and long-term goals and objectives, and measure your risk tolerance. We then develop integrated planning strategies that address the financial challenges you face and those you desire to achieve. 

As Certified Financial Planners™, we firmly believe that successful long-term comprehensive financial planning requires customized strategies and frequent reviews that can only come from a competent and unbiased advisory firm — versus a unilateral, non-diversified, or fragmentary approach.

We also recognize that over time circumstances may change in areas such as work, marriage, education, health, and retirement planning. These, in addition to evolving economic conditions, require reviews of the plan at least on an annual basis. Given this approach, regular consultations to discuss changes and make any needed adjustments to the plan are vital. Client meetings are conducted on regularly scheduled basis or as needed, and can take place in our office, your home, or a location of your choice. In addition to meeting at your convenience, we provide continuous education and reporting via quarterly investment portfolio performance mailings and account website access.

  • DEFINE GOALS

    Reviewing and prioritizing your short- and long-term goals, objectives, and tolerance for risk

  • REVIEW FINANCES

    Developing a summary of your current financial situation, including a net worth statement, cash flow/budget summary, and analysis of each element of financial planning as it currently relates to your specific financial situation

  • REVIEW INVESTMENTS

    In-depth detailed review of your current investment portfolio and asset management strategy development

  • DEVELOP STRATEGY

    Developing a financial management strategy, including financial projections and analysis

  • PLAN FOR RETIREMENT

    Completing a retirement planning assessment, including financial projections of assets required at estimated retirement date, desired incomerequirements and source coordination as well as using various quantitative measuring techniques, such as back testing, bear market testing and Monte Carlo analysis

  • ASSESS YOUR ESTATE

    Assessing estate net worth and liquidity

  • PLAN FOR TAXES

    Identifying tax planning strategies to optimize financial position

  • DELIVER COMPREHENSIVE PLAN

    Presenting a written financial plan that will be reviewed in detail with you. It will contain recommendations designed to meet your stated goals and objectives, supported by relevant financial summaries

  • DEVELOP ACTION PLAN

    Developing an action plan to implement the agreed upon recommendations

  • MAKE REFERRALS

    Referral to other professionals, as required, to assist with implementation of the action plan

  • ASSIST WITH IMPLEMENTATION

    Assisting you with the implementation of the financial plan

  • REGULARLY MONITOR

    Determining steps required to ensure your financial plan is monitored and, if necessary, revised or adjusted