Financial Planning Process 2018-01-03T17:15:04+00:00


In its most basic form, the financial planning process:

  • Helps you understand where you’re at today, financially.

  • Identifies where you want to be in 10, 20, 30+ years from now.

  • Designs a customized financial plan to help get you there.

While we work with a wide range of clients, many of them have very similar attributes. Here a is summary of the types of clients we work with:

  • Our clients ignore short-term noise and stay focused things they can control.

  • Our clients believe in a passive, low-cost approach to investment management.

  • Our clients find value in having an objective, third-party professional helping them make smart decisions with their money.

We love helping people, but we recognize we aren’t a fit for everyone:

  • Our clients are not trying to “beat the market” or find the next “hot stock tip.”

  • Our clients do not allow to influence their emotions and guide their financial decisions.

  • Our clients do not believe there are short-cuts to building wealth.

We look forward to helping you reach your financial goals!

Step #1: Life Planning

The first step in our process is to get together for a quick discussion.  We’ll walk you through what you can expect over the next few months and ask questions about your desires for the future as well as how your finances fit into the life you want.  Our hope is to understand you, your goals and values.  Once we have a clear picture of you and where you wish to go, we can craft a uniquely tailored plan to help you along your journey.

Step #2: Get Organized!

Using award-winning financial planning technology, we are going to help you gain control over all the moving parts in your financial life. In other words, we are going to get you “financially organized!”

This means:

  • Locating all of your financial accounts and connecting them to your secure client portal.

  • Gathering and documenting the details of your insurance policies.

  • Collecting the info on your employer benefits (i.e. 401k, health benefits, disability), and more!

We will provide you with an easy, step-by-step process to help make this as painless as possible.

Every piece of your financial life goes into Financial Life Organizer – the most up-to-date financial planning portal. You’ll now be able to access all your financial information in one place, 24 hours per day, 7 days a week.

For the first time ever, you will know exactly where your money is and what it is doing for you.

Step #3: Set Goals & Explore Possibilities

Once you are financially organized, we will begin discussing and documenting your financial needs and goals. For example:

  • I want to retire at age 62.

  • I need an income stream of $100,000/year.

  • I want to live abroad for five years.

  • Taking an annual vacation with my family is very important to me.

After this information is collected, our team of industry-leading CERTIFIED FINANCIAL PLANNER™ professionals will analyze your personal financial profile and brainstorm strategies to make your goals a reality.

We will work with you to explore all of the different possibilities and begin to narrow down a plan that makes sense to you and your unique set of goals.

Step #4: Illustrate Recommendations and Prioritize Implementation

Now we get to have some fun!

If you’re on track to meet your financial goals, great! We will show you how you might be able to:

  • Retire earlier

  • Travel more

  • Increase your charitable activity

If you’re not on track to meet your goals, no problem. We will use our financial planning skills and award-winning technology to determine what changes you need to make to get there.

We will recommend specific strategies you can put into action today and show you exactly how they will get you closer to reaching your goals.

For instance:

  • Improving your asset allocation

  • Reducing and/or eliminating unnecessary fees

  • Performing a “Roth conversion”

  • Retiring a few years later

  • Delaying social security


After taking presenting our recommendations through an interactive presentation, you will choose which money moves you want to implement and when you want to do them.

At the end, we will provide you with a customized financial plan, documenting all of our recommendations and a detailed action plan.

Schedule a Financial Planning appointment today