Our Financial Planning Process

As soon as we start a new client relationship, we do two things: We immediately address your current concerns. And then we develop a comprehensive, prioritized financial plan.

Along the way, we make sure that we get to know you, your goals and your aspirations. We gain a full understanding of your financial life so that we can make recommendations that allow us to invest for your WHY.

We work to provide you all the options available. We help you to weigh the pros and cons. And we empower you to make smart financial decisions.

The goal of our financial planning process is to organize and simplify your financial life. We divide your assets into those you need for the short term and what you’ll need for the long term. By making sure your short-term liquidity and income needs are met, we can then make investment decisions that support your long-term goals.

The planning process incorporates a client’s goals, looks at a range of potential outcomes and then measures the likelihood of achieving those goals. The financial planning team uses its experience and expertise to identify and assess areas of opportunity or weakness within a plan across multiple disciplines such as savings, investments, retirement and insurance, as well as tax and estate issues. These insights are shared with the client so that we can then create an effective action plan together.

Life Changes. Your Plan Should, Too.

An important part of putting your plan into action is making sure that it’s always up to date. So we’ll meet with you regularly to review your plan. We want to ensure that it reflects changes in your life and takes advantage of new opportunities, such as changes in tax codes or other laws.

Your life changes. Your plan should keep pace. And keep you moving toward your goals.

Whenever you encounter a life transition, your plan needs to be updated. Common reasons for updating plans include:

  •   Marriage, divorce or death of a spouse
  •   Birth of a child
  •   Sending a child to college
  •   Buying a house
  •   Selling your business
  •   Retirement

Whatever your goals may be, you’ll want to know that you’re on the path to achieving them. During our review sessions, we’ll measure your progress toward your goals. If you’re on track, we’ll advise you to keep up the good work. If not, we’ll make recommendations and update your plan accordingly.

Insurance Advice

You've worked hard to get where you are. We'll make sure that you, your family and your assets are protected.

During our comprehensive planning process we review all of your current insurance coverage. We look at your group benefits packages, along with your life, disability and long-term care policies.

We compare this existing coverage to what you need. Then we make recommendations based on what level of insurance you should have.

We also take the time to evaluate your homeowners, auto and personal liability insurance to make sure that the policies are in line with your overall financial picture. Although we’re not property and casualty insurance experts, we are in a unique position to evaluate whether your coverage is a good fit because, unlike your insurance agent, we have a complete understanding of your finances.

Discovery Meeting

We’ll discuss your WHY, including your financial goals, needs and expectations; your fears and concerns; and your values, dreams, and motivators. We’ll also begin to prioritize financial goals.

Data Gathering

We’ll review your financial resources, discuss your cash flow and financial habits and discover areas of opportunity.

Goal Reviews

We’ll discuss solutions to financial issues, determine strategies, develop a financial task list and collaborate on completing each item on the list.


We’ll meet regularly to review tasks and monitor progress on your financial strategies. We’ll adjust the plan to mirror changes in your life, goals and finances. And we’ll plan accordingly as you move from one stage of your financial life to the next.