Our Process
A clear path to better decisions, with a partner for the long run.
Everyone who goes through our process is better equipped to make confident financial decisions. We generally work with clients who engage us for ongoing financial planning, because it lets us give the most objective advice and manage investments in a more collaborative way.
The onboarding process
Four steps to understand your full picture and build a plan that fits you.
Initial Consultation
Our first meeting is a complimentary consultation to see if we are a good fit. We walk you through how we work with clients, take time to learn about you, and define the scope of work and what a successful relationship looks like. We move forward only once everyone understands that scope and feels the relationship will be a good one.
Data Verification
Next we build a complete and accurate picture of your finances. We gather statements, link your accounts to our web-based planning tool, and confirm where you stand today. We clearly define your goals and your tolerance for investment risk, so every strategy we develop is tailored to you.
Decision Center
We review your portfolios and policies to confirm your asset allocation aligns with your risk profile. Together we identify strengths, weaknesses, and opportunities for improvement, and explore how different choices could affect your outcomes.
Strategies & Recommendations
Building on the decision center meeting, we deliver a comprehensive report of our recommendations and their projected outcomes. We review it in detail so you understand your options and the steps ahead, and we pair it with a simple list of actions to move forward.
Monitor and evaluate, year after year
Planning does not end with the recommendations. We meet regularly throughout the year to monitor and evaluate progress toward your goals, then repeat the process annually so your plan and investments stay current as life changes. Each year, our conversations focus on three areas, and they tend to follow a natural rhythm through the calendar.
Financial Position
We revisit your asset allocation, cash flow, taxes, and savings. We look for opportunities such as prior-year contributions, adjustments to ongoing contributions, and other investment and tax strategies for the year ahead.
Decision Center
As we did in year one, we explore different scenarios and how the choices available to you affect your outcomes, then adjust strategies to fit the goals and preferences that matter most to you.
Protection, Estate & Goals
We review your estate documents against your current goals, check employee benefits and your life, health, disability, and long-term care coverage, and set the priorities we will focus on in the coming year.
Ready to take the first step?
It starts with a complimentary consultation. No obligation, just a clear conversation about where you are and where you want to go.