“Life is full of uncertainties. Future investment earnings and interest and inflation rates are not known to anybody. However, I can guarantee you one thing… those who put an investment program in place will have a lot more money when they come to retire than those who never get around to it.”
— Noel Wittaker, author, The Beginner’s Guide to Wealth

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Financial Planning Process

We believe the Financial Planning Process should be a fun and rewarding experience, empowering you to address your financial objectives. Below you will see the steps in our Financial Planning Process. We will fully engage you throughout the process to ensure your goals remain central to our advisement. When appropriate we will coordinate with your advisors to develop a plan that meets your expectations.

Steps

Discovery

In this critical step, we engage you in a one-on-one consultation to get acquainted, and gather information about your broad financial goals and your specific investing objectives.

Analysis & Modeling

With the discovery data as our guide, we develop a set of corresponding financial recommendations and scenarios unique to your needs. We’ll walk you through the recommendations to explore and discuss the scenarios and give you a solid understanding of each option.

We will also "stress test" your plan by changing assumptions and determining the viability of the plan when things don't go as expected. We use Monte Carlo Simulation to specifically randomize the returns we hope to receive over the life if the plan. This allows us to creata a long-term plan that is sustainable under worst-case circumstances.

The Financial Plan

At this phase, we develop your comprehensive, personalized Financial Plan — your roadmap to navigate toward your financial goals. Our dynamic approach grants you ample opportunity for feedback to ensure the end product is uniquely focused on your specific goals.

Implementation

At this phase, Implementation of your financial plan begins. We work as your key point of contact on all aspects throughout the year, serving as a critical liaison to your CPA, estate planning attorney, insurance professional and any other relevant advisor. This dynamic, comprehensive approach optimizes the success of your plan implementation while providing you exceptional client support.

Monitor & Review

Over time, we will monitor, review and update your plan as necessary, ensuring we are still on track to reach your long-term financial goals.