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Our Process

The Financial Planning Process

We believe in developing expertly crafted, personally tailored strategies from a financial planning relationship before anything else.  While building wealth and protecting against risks is important, we find the best way to find success is to understand exactly where you are and what you want to achieve in order to determine the best decisions to get you there.  We think everyone that goes through the planning process is empowered to make better financial decisions, significantly improving their potential for success.

Step 1: Initial Consultation

Our first meeting is a complimentary consultation, where we work together to determine if we're a good fit for a financial planning relationship.  We will provide you an overview of this process and answer any questions you may have about our team, our philosophies, and our capabilities.  Then, we take time to learn more about you.  What matters to you, why you're talking with us, where you want to get to, and how you got to where you are today.  We use this time to determine the scope of work needed, and how we define a successful relationship.  Only when everyone involved understands the scope of work and feels that the relationship will be beneficial, we can move forward with a planning agreement.  

Step 2: Gather Data and Confirm Our Understanding of Your Goals

Next we have to make sure we have enough quantitative and qualitative information as needed. We'll gather statements, link accounts, understand your income and expenses.  We want to be able to accurately define where you stand and what is impacting your planning. We'll clearly define your goals, get to know your beliefs, and assess your attitudes toward risk.  Only once we have very accurate information can we develop and tailor recommended strategies for you. 

Step 3: Analyze and Evaluate your Situation

Our team uses modern technology and analytical tools to evaluate your current path.  We review portfolios and policies to make sure your allocation is in alignment with your risk profile.  We identify strengths and weaknesses in your current course of action as well as opportunities for improvement and threats to your success.  We prepare an in-depth analysis to present to you when discussing potential strategies.  We review with you difference scenarios and how different courses of action can impact outcomes. 

Step 4: Presentation of Recommended Strategies

Using the analysis and our discussions of potential strategies with you, we create a comprehensive report of analyses and recommendations based on the agreed upon scope of work and review in detail making sure you understand your options, and the steps to move forward.

Step 5: Implementation of Solutions and Strategies

We work with you to determine how to best implement each aspect of your financial plan.  We collaborate with other professionals you currently engage (Attorneys, CPAs, Agents, etc.) or, if needed, introduce you to appropriate professionals from our vast network.  We utilize a wide array of providers and solutions to implement investment, risk management, and estate and business planning strategies. 

Step 6: Monitor and Evaluate on an Ongoing Basis.  

In accordance with the agreed upon scope of work, we set up regular meetings throughout the year to monitor and evaluate progress made towards goals.  When nearing the end of our first year working together we will meet to discuss the value gained from our relationship, your most important goals for the next year, and the scope of work for our ongoing relationship. 

Financial Planning

Retirement Planning

Tax Planning

College Planning

Estate Planning

Estate Distribution

Asset Allocation

Risk Analysis

Cash Flow Analysis

Monte Carlo Analysis

Business Planning


Common Stock


Mutual Funds

Exchange Traded Funds


Brokerage Accounts

Trust Accounts

Employee Benefits Plans


Life Insurance

Disability Income Insurance

Long-Term-Care Insurance

Hybrid Insurance Solutions

Group Insurance

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.  |  (860) 463-0537

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