A process to personalize your financial plan

To develop a financial plan personalized to your individual needs, situation and investment style, we follow the comprehensive, six-step process as developed by the CFP Board of Standards. It is designed to help us develop a true sense of who you are and what you expect, so that we can build a unique strategy to see you through the saving, growth and, ultimately, the careful distribution of your wealth for your retirement.


  • PHASE 1

    Establishing and defining our relationship


    We clearly explain and document the services we will be providing to you and define both our and your responsibilities. This first step also includes a discussion of how we will be compensated, how long our professional relationship should last and how decisions will be made.


  • PHASE 2

    Gathering information, including your goals


    We assemble all information regarding your financial situation, mutually define your personal and financial goals, understand your time frame for results and discuss your tolerance level for risk. This is vital information we need before moving forward.


  • PHASE 3

    Analyzing and evaluating your financial status


    We analyze this information to assess your current situation and determine what action is required to meet your goals. This step may include analyzing your assets, liabilities, cash flow, insurance coverage, investments and tax strategies.


  • PHASE 4

    Developing and presenting financial plan recommendations


    We offer financial planning recommendations that address your goals, based on the information you provided. We review the recommendations with you and help you understand them, so you can make informed decisions. We carefully listen to your questions and concerns and revise our recommendations, as appropriate.


  • PHASE 5

    Implementing the financial plan


    Once the financial plan meets with your approval, we carry out our recommendations, coordinating the process with you and, when appropriate, other professional advisors, such as your accountant or attorney.


  • PHASE 6

    Monitoring the financial plan


    With your authorization, we will monitor the progress toward your goals and report to you periodically, review your situation and adjust the plan, if needed, as your life changes.