Broker Check

Our Process

Our first question in the initial meeting with a new client begins as “what is YOUR most important financial concern going forward from today?” We ask lots of questions to determine what YOUR goals and objectives are. From there we put together solutions and choices to YOUR concerns. We strive to make sure that our suggested solutions reflect an appropriate level of risk and return for you. We then schedule target dates for future meetings to review everything that has been implemented along with an changes to YOUR situation.

1. Assess Needs and Goals

First, we want to define your goals. We’ll ask a lot of questions and do even more listening to fully understand your needs and life goals.

2. Organize Financial Data

Next, we’ll identify and provide the appropriate strategies and tools to help you pursue your goals. Relevant information includes risk tolerance, time frame, goals, current savings, current risk management, family dynamics, experience with financial planners, children and their ages, and hobbies.

Providing detailed information allows us to help you with organization, bringing order to your financial life and helping you prioritize and follow through on financial commitments.

3. Evaluate Financial Status

Once we have the necessary data in front of us, we’ll assesses your current situation and determine what steps must be taken to move forward with a financial plan. Depending on your needs, this assessment could include analyzing assets, liabilities, current cash flow, future cash flow, insurance coverages, tax strategies, and  investment allocations. (Asset Allocation does not guarantee a profit or protect against  loss in a declining market. It is a method used to help manage investment risk.)

4. Develop Proactive Plan

Once goals and resources have been defined and analyzed, you will have a clearer picture as to whether your plan will take you where you want to go. Perhaps you need to increase your savings rate per month, adjust your asset allocation, or take another course of action. Whatever is chosen, we’ll educate you along the way, making recommendations as needed. Our goal is to help you thoroughly understand your plan and the risks involved.

5. Monitor and Continually Adjust

Lastly, we’ll monitor and continually adjust to your situation. Things will evolve over time and change according to life events. Marriages, divorces, career changes, children, tax law changes, inflation, stock market fluctuations, recessions and more all require newer perspectives on how to help manage your finances in keeping with your goals.