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OUR APPROACH TO FINANCIAL PLANNING

YOUR INVESTMENTS, YOUR LIFE, YOUR FUTURE

Our vision is to inspire people to achieve their life’s ambitions. We believe financial planning is vital to improving the probability of success of reaching those aspirations.

In order for us to reach your objectives, our advisors need to understand your complete financial picture at every stage of your life. Today’s goal may not be the same as tomorrow’s dream. Your goals change throughout your life, so our 5-step process is designed to be circular, and continuous.

WORKING WITH YOU: OUR 5 STEP APPROACH

1. GETTING TO KNOW YOU

We start out by having a conversation to find out your needs, goals, and aspirations. We will learn about each other to determine if there is a good fit for an ongoing relationship.

We will ask you questions and will detail our services, philosophies, process and fees and answer all of your questions.

2. BUILDING YOUR PLAN

Based on our understanding of your aspirations, we will go to work. Our team creates a personalized strategy to provide you solutions that are tailored to you.

You will receive a detailed financial plan for the key areas that apply to your situation for a comprehensive picture of your finances.

3. TAKING ACTION

Upon your approval, we will work with you on every facet of the plan to make sure the strategies we have agreed upon are in place.

We won’t just give you a plan and tell you to follow it – we’ll be by your side every step of the way to see it through.

4. MEASUREMENT & ACCOUNTABILITY

Throughout the process, we’ll be tracking the progress of the objectives we’ve set up together.

Your financial plan has a starting destination, but will require adjustments to stay the course based on economic conditions and your changing personal life circumstances.

5. ACHIEVING & REDISCOVERING

To address your dynamic and ever-changing life through the years, we will review your plan to uncover and address needed adjustments for your short- and long-term goals.

We will update your financial plan on a regular basis based on your most current life objectives. We will address specific retirement issues as you get closer to your desired retirement age.

AS YOUR LIFE CHANGES, YOUR FINANCIAL STRATEGY ADAPTS

Your financial plan is not a “set it and forget it” process. Your objectives change as you progress through various stages of your life, from young professional, to parent, to pre-retiree, to living in retirement and withdrawing assets. 

LIFECYCLE FINANCIAL PLANNING

We believe ongoing financial planning is vital to improving the probability of success at every age. Here is a very generalized example of how life goals can change through the years. Remember, each client is completely unique and we design custom financial plans geared to you and your life.

Life Stage
Married, Career Growth

Financial Objectives
Cashflow & Budgeting, establish emergency savings, pay down debt begin retirement savings.

General Profile 
Aggressive Growth as the savings journey for retirement has just begun. Focus on growth-oriented equities. Budgeting is the key in the beginning to foster the right mindset moving forward.

Life Stage
Married, career growth

Financial Objectives
First house, children, early savings for college, continue retirement saving, paying off all other debt

General Profile
Aggressive. Still a growth mindset since retirement is 30+ years away. Heavy growth stocks and high-yield bonds. Can become more aggressive as career development can mean higher income.

Life Stage
Mid-Career

Financial Objectives
Nearing college spending or in it, might have a 2nd home, may have started a new business

General Profile
Aggressive/Balanced. Retirement is still a ways off but assets have accumulated to a point where further diversification is needed to keep things moving.

Life Stage:
Late Career/Retirement Prep

Financial Objectives:
College spending, desired lifestyle, last major push before retirement, medical expense savings, estate planning

General Profile:
Moderate to Conservative. Diversification is crucial to protecting against negative markets, but still participate in market peaks for the final push.

Life Stage:
1st Half of retirement

Financial Objectives:
Retirement income, achieving a preferred retirement lifestyle, medical expenses, long-term care, leaving a legacy

General Profile:
Conservative. The climb to the retirement peak is here and it’s time to ensure we keep the path. A retirement income plan that’s clear yet flexible is priority.

Life Stage:
Back Half of Retirement

Financial Objectives: Continued retirement income, medical expenses, leaving a legacy

General Profile:
Dependent on the individual. Most stay conservative to protect what they have but those who are looking toward their legacy may shift to moderate allocations for further growth.

LET'S SCHEDULE A CONVERSATION

Schedule a quick 30-minute conversation with us so we can get a better understanding of where you are right now. From there, we can make a detailed plan based on your needs.

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