A measured process to pursue your ideal financial future

To develop your financial plan, we follow a comprehensive, six-step process developed by the Certified Financial Planner 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 retirement income.

We utilize Goal Planning & Monitoring, a proprietary planning software from Raymond James, in an effort to help align financial decisions with your vision of retirement and other goals. This powerful resource, used in conjunction with our deep planning experience, helps us ensure that your goals and our strategy for pursuing them are well-defined.

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.

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.

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.

Developing and presenting financial plan recommendations

We offer financial planning recommendations that address your goals, based on the information you provided. These will include our asset allocation suggestions, focused on diversifying your assets across a variety of sectors and investments. This long-term strategy is designed to help you achieve your financial goals without assuming undue risk. As we review our recommendations, we carefully listen to your questions and concerns and revise our recommendations, as appropriate.

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.

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.

Asset allocation and diversification do not guarantee a profit nor protect against loss.