Our Process

We employ a ‘protection-first philosophy.’ What does this mean? We ensure that your most basic financial needs are met first. Ours is a future-looking approach that takes into account capital invaders like taxes, inflation, market volatility and health care costs – real threats that could indeed jeopardize your financial security. Through ongoing meetings and communication with you we can ensure the right team is in place to help meet your needs, fill all the gaps in your situation, and help position you for success.

Once we are sure that you are appropriately prepared for the unexpected, we can build on a solid foundation and work with you to complete your financial picture. Our process is simple, straightforward and transparent. Here’s how it works:

Introduction

Almost all of our clients come to us through referral. Our very first step is to meet you to learn more about you and your goals, and to discuss our approach to financial management. This is a great opportunity for both of us to assess whether this is the right time for us to collaborate.

Discovery

A fact gathering session helps us collect all the data we need to get started. We gather both hard facts, and your feelings about your financial situation, goals and desires. This in-depth conversation allows us to capture what you may already have in place, and determine what gaps, if any, need to be addressed.

Planning and delivery*

Once we have analyzed your data, we will carefully discuss your options and discuss the suitability and feasibility of each potential solution.

We don’t believe in ‘prescribing’ remedies: you will be an active, educated and engaged partner in making decisions about your financial situation. We will equip you with the educational tools you need to make decisions that are right for you. Our job is to guide you.

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.

Implementation*

Once you decide to proceed, we will coordinate the necessary next steps. As a financial planning client you will receive your financial plan, and you will be able to access our financial software via your own secure web-based portal.

Through ongoing meetings and communication with you we can ensure the right team is in place to help meet your needs, fill all the gaps in your situation, and help position you for success.

Monitor and review: the secret to staying on top of your finances

Indeed a plan is never quite ‘done’: the secret to reaching your goals is to constantly monitor your situation and adjust accordingly. While we cannot predict the future we know with certainty that things will change. We have put into place a systematic review process to keep you on track.

Our proactive stance toward upkeep and maintenance will help you take control – and stay in control – of your financial picture.