Our Process

Sophia Financial has developed a systemized process for determining each of our clients’ requirements within a context of their personal values. While it is systemized for efficiency, our application of this unique process is done with a level of sensitivity and a spirit of service that may not be present in large bureaucratic institutions. Our service process is called “The Sophia Way.” It is a way of sharing; a way of educating; a way of wisdom; a way of connection and collaboration and it guides your path to financial success.


The Sophia Way is guided by a five step process:

Step 1:  Assess the Landscape  

The beginning of our relationship requires a transparent 360 degree view of ALL that currently IS. We want to understand your complete family situation (aging or ill parents, dependent children and impending divorce). We also need to hear what you know and feel about your current financial state (income vs. spending; plans to grow and to save). This is a good opportunity for our clients to share their deepest concerns or stresses around finance and the impact on family life. 

Step 2: Run the Numbers

This is our objective analysis of all your financial data to see exactly where you are “on paper.” To build an effective financial strategy we need to understand the full financial spectrum that you are operating in and where we are starting from. It is important that we leave no stone unturned as we compile a thorough inventory of your current financial data. This step builds confidence in our clients as we address the truth of circumstance regardless of emotion.

Step 3:  Chart the Course 

At this stage, we prepare a written proposal of your complete financial strategy and explain in full detail the implications, opportunities and risks involved. We are careful to use plain English with our clients. We may bring in other professionals for this step - perhaps your accountant has information we need or an estate plan is in order. We need you to be completely comfortable and engaged in weighing the pros and cons of the strategy we propose. 

Step 4:  Begin the Journey

When we all have determined that you are best served by a relationship with Sophia, we outline the tasks that need to be accomplished by whom, and when. We also decide together how you would like to be served going forward, how performance will be measured, what it will cost, and when and how we will meet. It is only with your fully informed consent that we begin to implement the strategy developed for your financial growth and stability.  

Step 5:  Track the Progress

We consistently monitor and review the strategy on a pre-determined schedule to ensure continual progress is made and that the overall plan remains aligned with your life circumstances. This is a disciplined process that organizes complex information into understandable terms to ensure a prosperous, long term relationship. We want to work with you and your family, and generations of your family, for many years to come.


We practice an ethos of community involvement and responsibility by creating greater access to financial services and sharing our financial knowledge with the community at large. As with any level of financial planning, the earlier you start - the better, but no matter what your age or stage in life, you can benefit from the Sophia Way. Whatever your motivation for looking through this site and exploring your financial service options, we are glad that you have been led toward Sophia and hope we will get to meet soon.