An orderly process
guides us to your financial plan

How We Help You

When you’ll retire. How you’ll retire. The way you’ll manage situations after you retire. These are just some of the important details we address in the personalized financial plans we create. A comprehensive financial plan can help you not only pursue your goals and objectives, but it can also provide critical guidance – and preparation – for when things don’t go as planned.

To create your plan, our process gives us an orderly way to identify relevant strategies for moving forward and addressing your needs. Our process also helps us cover all the important details as we seek to leave “no stone” that may be relevant to your success “unturned.”


We will begin with a discussion to learn about your personal goals, retirement ideas, current financial situation, experience with investing and risk tolerance. We want to have a firm understanding of all this information – including the standard of living you wish in retirement – before we get started creating your plan.


We will analyze what you’ve shared with us and design your plan. We then will present our recommendations – which will involve the use of Goal Planning & Monitoring software so that you may more easily visualize the information – answer your questions and outline the steps needed to implement your plan.


With your approval, we put your personalized plan into action. This will involve the selection of specific account types, investment products and optional services, and the handling of all paperwork. We will also work with your other professional advisors so that everybody who helps manage your affairs is apprised. Don’t worry; we’ll be there to help you throughout the process.


We will monitor the progress of your financial plan relative to your objectives, suggest any changes when needed, and provide ongoing reporting of your account activity. We’ll also rely on you to tell us about any changes in your life that may affect your plan – such as changes in health, grandchildren entering college, downsizing or other changes in your living arrangements.

“Have I saved enough?”

This was the pressing question on Jessica’s mind when she came in to meet with us. Like most, Jessica couldn’t even begin to calculate how much she’d need to save in order to enjoy the retirement she, at that point, couldn’t even imagine. At 50 years old, she’d been saving money in retirement accounts for quite some time, but she still didn’t know how much money she’d need to amass in order to stop working, which is the amount we aimed to provide.

When we met with Jessica to talk about retirement planning, we created a flexible retirement plan to help her form goals and objectives for the future – a vision she’d never fully articulated. As it turns out, Jessica dreamed of a retirement filled with travel – something retirees often do. Once we clearly defined her vision, we were able to calculate an amount necessary to fund her retirement goals, which included a generous travel budget.

We also talked about whether she should continue contributing to a traditional 401(k) or change her payroll deposits to a Roth 401(k). As a result, Jessica now knows how much she’ll need for retirement, has a financial plan that is adaptable to changes in her life, and is comfortable knowing she will receive guidance in the future.

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This case study is for illustrative purposes only. Individual cases will vary. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making any investment decision, you should consult with your financial advisor about your individual situation.