What We Do » Financial Planning » Planning Process

Our financial planning process is client-focused, strategic, disciplined, diligent, and above all – objective.

Your personal financial plan charts the course to your destination, addressing the details and the risk along the way, while your investment portfolio gives you the potential to reach your goals. We believe that both of these components must work together effectively to achieve long-term wealth management success. Our in-depth process helps us understand your unique needs, and we incorporate that knowledge into a customized financial plan made just for you.
01 Discuss
Discuss your goals and objectives: First, we will confirm that we can help you do what you want to do, and in the fashion that you would like to do it.
We will discuss:
● When you would like to retire.
● Your cash flow needs during retirement.
● Your expectations about return, and feelings about risk.
02 Review
Review your financial situation: For this step, we will provide you with an easy­-to-follow checklist of items that you should bring that will allow us to understand and properly evaluate your unique situation.
03 Analyze
Analyze your investment strategy: Our team of professionals reviews your financial information, goals and objectives evaluating your current strategy’s ability to pursue your goals.
04 Develop
Develop recommendations: After our meeting, our team produces a strategy for you that is designed to address all major aspects of your financial, investment and estate planning needs.
This strategy will address:
● Investment selection
● Asset allocation
● Insurance needs
● Estate planning
05 Present
Present your financial plan: During our next meeting, we will present you with our recommendations explaining the risks and potential rewards associated with each.
06 Implement
Implement your financial plan: At this stage, we make the changes to your financial strategy that we have agreed upon.
07 Monitor
Continuous monitoring: We will systematically monitor your investment and financial plan. Through regular reporting and communication, we will keep you fully informed of the progress of your financial plan towards your goals.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns. Asset allocation should not be confused with the much simpler concept of diversification.