Guiding each client through consistent steps helps make their goals and objectives clear. Our disciplined process enables us to establish a baseline and financial investment strategy to help address your unique challenges and opportunities. We first understand your needs, goals and objectives before leveraging methodologies and developing appropriate recommendations.
Our investment philosophy is based on systematic and rules-based investment processes, which put less stock in standard financial models and more emphasis on an approach weighted by evidence. This tactical allocation approach takes a range of indicators into consideration to help us react and adapt to changing market conditions in order to help mitigate volatility. Our systematic process helps us manage portfolios in a way that avoids emotional investing, which can take you off course and further from your financial goals.
Before recommending any investment strategy, we take the time to get to know you. We want to understand your goals, family, priorities and values, as well as your dreams for the future. Part of this phase is reviewing your current financial situation and analyzing current investments, insurance, retirement benefits, tax, and estate planning documents, as well as any other identified impact areas.
However, documents and data only paint part of your financial picture. Critical to this phase is an interview to establish and understand your personal and financial goals, as well as time frame for results and risk tolerance.
Once we've strategically analyzed and assessed your current financial picture, we create your financial plan's foundation and perform a gap analysis. This comprehensive review brings to light the gaps between where you are today and where you want to be tomorrow.
Through this needs and opportunities analysis we determine a financial investment and management strategy that clearly reflects your values and beliefs and enables you to reach your goals. We will also determine whether outside advisors should be added to your advisory team to fulfill our strategic plan, such as attorneys, CPAs or insurance specialists.
Based on your strategic analysis, we prepare written recommendations to include in your comprehensive, strategic financial plan and recommendations. This can include cash flow, asset allocation, tax strategies, risk tolerance analysis, insurance and retirement distribution strategies.
Once your financial plan and recommendations have been presented and reviewed, we work closely with you to implement the financial and investment strategies agreed upon. We also act as the hub of coordination with your other professionals, if necessary, to ensure the process flows smoothly and meets your goals and expectations.
Once implemented, your plan becomes a living and evolving document that is reviewed and updated regularly. Your plan is reviewed at our meetings together to revisit your goals, adjust to changes in your life and evaluate your progress. We'll add new goals as appropriate and revise your plan, as necessary, to meet any changing goals and objectives since we believe financial planning is not a one-time event, but a lifetime process.
We invite you to review our detailed timeline, and what to expect at each meeting and step along the way as we move forward to help reach your unique goals.
Identify your goals, values, dreams, special concerns/challenges
Develop Comprehensive Wealth Management Plan
- Comprehensive financial planning
- Retirement planning
- Credit and lending
- Insurance and liability management
- Education planning
- Business succession plan
- Charitable giving
- Family dynamics
- Estate planning
Develop Investment Strategy
- Determine risk tolerance
- Analyze current investment portfolio
- Develop asset allocation strategy
- Portfolio construction
Wealth Management Plan Meeting
In-person meeting to present comprehensive wealth management solutions
Investment Strategy Meeting
In-person meeting to present recommended investment strategy
Execute Investment Strategy
- Open new accounts
- Transfer existing assets
- Conduct trades to execute agreed-upon investment strategy
- Set up online account access
- Set up E-Money
Execute Wealth Management Plan
Ongoing execution of wealth management solutions
45 Day Follow-up Meeting
In-Person Meeting to Discuss
- First statements
- Organization of paperwork
- Schedule weekly management plan meeting
- Ongoing evaluation of investment strategy and wealth management plan
- Develop schedule for review meetings
“Financial planning is a lifetime process, and through our philosophy of regular communication we can identify and respond to changing needs of our clients.”