We comprehensively collect detailed qualitative and quantitative information about your financial landscape. This includes gathering data on your age, health, life expectancy, marital status, dependents, income, expenses, cash flow, assets, liabilities, savings, insurance coverage, risk tolerance, personal values, attitudes, and financial expectations.

We take a closer look at your financial objectives, expanding and prioritizing them collaboratively. For instance, we'll explore goals like paying off student loans, purchasing a home, saving for retirement, or funding your children's education. We'll also help you identify additional critical objectives such as obtaining proper insurance coverage, boosting savings, and creating a comprehensive estate plan.

This step will involve assessing how well you are doing on achieving your goals and how your current practices, such as contributing a set percentage of your earnings to a retirement plan, are advancing you forward. We can work to identify changes, such as starting a college savings plan, refinancing a mortgage, or changing your investment portfolio asset allocation, to help you get closer to your goals.

We will communicate with you to refine, clarify and confirm information developed in the previous steps. Following that, we will use financial modeling and assumptions for key elements such as life expectancy to generate recommendations that can help you achieve your financial goals. Recommendations may follow changes identified in the previous step, such as insurance, estate planning and asset allocation, as well as other areas of your financial life such as borrowing practices and education funding.

Your financial plan will consist of a printed document and access to additional information through a secure online connection. It will be presented during a face-to-face meeting customized to fit your level of financial literacy. We will take the time to ensure that any calculations and assumptions are understood by you.

In some client engagements, we will only develop and present the plan without having the added responsibility of implementing it. If implementation is included in the scope of the engagement, we will provide a written implementation plan describing a schedule of future events. Both you and our team may have responsibilities. You may have a timeline to reallocate your retirement plan investments per our recommendations. We may be called on to provide referrals to insurance brokers, attorneys, or other professionals and confirm that steps have been carried out.

We will periodically review investment performance, asset allocation, insurance needs and similar matters, and recommend changes designed to help further your achievement of financial goals. We will also solicit updated information about changed goals, employment status and other life events that may affect the plan.