Our Process

Every plan we build is personalized to your needs, wants, and wishes.  However the process of how we do our planning is time-tested and battle hardened.  It is a proprietary four step process:

1. Engage

We begin by getting to know you.  Like any quality trusted advisor (Doctor, attorney, CPA, etc.), the most important first step is to listen.  We want to truly know you.  Everything ranging from family members and birth dates to financial accounts, taxes and yes, even health status.  All of these factors impact your financial plan.  The better we know you, your circumstances and your goals, the more accurate your retirement income security plan can be.

2. Plan

There's an old adage that says: ”A goal without a plan is nothing but a wish”, and we simply don't allow our clients to wish their way to a successful retirement.  Based on your input and our experience & analysis, we develop a personalized plan for you.   In the design phase we look through a triple lens:

  • You pre-decease, meaning your time comes sooner than expected,
  • You pass-on right when averages estimate you might,
  • The biggest concern for most folks you live longer than expected.  Perhaps putting you in a position of outliving your retirement money?

One of these scenarios is inevitable – one will happen.  A quality financial advisor will plan to make sure you are well prepared for any of the three.  We quarterback your overall financial & estate planning.  Of course we can work seamlessly with your attorney, CPA and any other of your trusted advisors, or if you need referrals to these professionals we can help you there as well.


3. Implement

After review of the planning and analysis we have done, and once you have accepted the solutions we proposed, then and only then will we present you with specific investment and/or insurance product recommendations to help meet your goals.  We will discuss the pros, cons, risks and costs of each recommended alternative.  This helps ensure you are making well-informed, appropriate decisions.


4. Review

Things happen.  Change happens.  A life event, unexpected expenses or income, a change in taxes, etc.  There are many factors both inside and outside your control that can impact the viability of your plan in the future.  We meet with you on a regular basis to assess any changes that may have occurred, compare actual results to initial assumptions and use this assessment to determine if adjustments need to be made.  We call this a stress test, and it's a critical tool that we use throughout the life of our relationship.