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Our Process

A customized financial plan serves as the “how-to” for pursuing your goals. Our process gives us an orderly way to identify relevant strategies for moving forward and addressing your needs. Keep reading to learn more about our financial planning process for your retirement.

  • Charitable Giving
    • Determine charitable intent
    • Evaluate various giving strategies
    • Analyze cash-gifting vs. appreciated asset gifting

  • Wealth Enhancement
    • Perform comprehensive tax assessment
    • Assess retirement plan
    • Evaluate benefits plan
    • Analyze executive compensation plan
    • Implement tax-efficient investment strategy

  • Wealth Protection
    • Determine various insurance needs
    • Complete comprehensive insurance analysis
    • Evaluate life, disability, health, and long-term care insurance
    • Evaluate property and casualty insurance
    • Evaluate business insurance

  • Wealth Transfer
    • Review existing estate planning documents
    • Confirm correct titling of assets and beneficiary designations
    • Assess proper funding of trusts
    • Provide for liquidity needs
    • Determine strategy for business succession

Understand

The first step in our process is to ensure we have a full knowledge of your current financial situation, personal goals, investment experience, and risk tolerance. At the same time, we want you to completely understand our firm and our processes so we will spend time explaining how we operate and answer any questions you may have.

Design

Next, we will begin the process of designing your customized financial plan, including our recommendations for your overall comprehensive financial plan and investment management. During this time, we will present our recommendations to you, listen to your feedback, answer any questions you may have, and create an outline of the steps needed to be taken on our part and your part to begin implementing your plan.

Implement

Once we have reached a mutual agreement on the recommendations, we will begin the process of executing your plan. This phase will include opening investment accounts and transferring any accounts to our firm to begin the investment management process. We will also begin working on the various outstanding action items of your customized financial plan. This step may include collaborating with your other professional advisors, such as your accountant and lawyer.

Manage

Financial planning and investment management is an active and long-term process. We will consistently monitor your progress toward achieving your financial goals. We accomplish this by providing ongoing and regular updates of your investment management as well as scheduled times to review your overall planning and objectives.

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