Our Process

We created a 4-6 meeting process to guide you each step of the way as you look to set and accomplish your financial goals for this year.  The first meeting is complimentary so that we are sure that not only will it be a mutually beneficial working relationship but also that there is enough we can do to help make a positive impact on your financial goals and direction.

Initial Consultation

Most clients come into this meeting with 20 questions about who we are, what we do, how we do it, how we are compensated, etc.  We spend most of the meeting answering those questions along with determining if we are a good fit for each other as we believe in long term client relationships.

Financial ‘Health History’

We like to use this meeting to discuss financially ‘where you have come from’, ‘where you are currently’ and ‘where you would like to be in the future.’  We complement this discussion with information gathered from a confidential information form that you complete between our first and second meetings.

Educate and Discuss Strategies

There is no ‘one size fits all’ in developing a financial plan.  We will present the rationale for your individualized recommendations and other strategies.  If you know what you are doing, and why you are doing it, you will be prepared to make educated decisions.

Implement Specific Ideas

Implementation comes in three parts.  Sometimes it is strategies that you can or need to do on your own (debt reduction, budgeting, changing benefits at work, etc.).  Other times it is coordinated with the help of another professional such as an accountant or attorney.  Finally, insurance and investment advisory services are available if you lack the time, desire or both to implement them on your own.

Quarterly ‘Temperature Checks’

Goals and objectives are not accomplished only one time per year; therefore, if you engage our ongoing financial planning services, we will check-in with you at least quarterly to make fine tune adjustments if needed.  Just like a doctor working with a patient, once the treatment plan is set they still might need to make minor adjustments along the way to help the patient reach their desired outcome.

Annual ‘Check-Ups’

Even minor changes (family, employment, tax code, etc.) can have a major impact on your financial future, so we like to do a formal review each year to check your progress, answer additional questions and set new goals. Some clients have enough moving parts that meeting annually is appropriate, whereas others adjust their financial plans every 2-3 years.