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Our Financial Planning Process

Our primary goal is to clearly understand what is most important to you and to customize strategies for your individual situation.  To help you achieve success, we provide a disciplined process through fee based financial planning. We work with your existing advisors including your attorney and CPA to make sure that your plan is coordinated. We will assist you in implementing your plan using a wide range of strategies including independent money managers, fee based investment accounts, mutual funds, annuities, stocks and bonds. If philanthropy is an important aspect of your plan, we will explore a range of charitable ideas that can help you to leverage the tax and other advantages of giving.  We have relationships with firms that offer administration of charitable foundations to create simplified turnkey administration of your charitable plan.

Life in a Box



Step One: Initial Interview

Step Two: Engagement and Data Collection

  • Formalize working relationship, sign contract (Can be combined with Step One)
  • Gather appropriate financial data, objectives, and risk tolerance
  • Discuss your mission statement
  • Review your attitudes, views, and concerns about money
  • Secure all documentation
  • Review other current advisors (CPA, attorney, etc.)
  • Determine meeting frequency and optimal communication style

Step Three: Plan Design

  • Establish a secure financial planning website and link accounts
  • Analyze and summarize current documents as they impact your plan
  • Create an initial summary of your current situation
  • Clarify and verify data
  • Develop ideas and concepts for your review and feedback
  • Identify preliminary recommendations
  • Discuss plan and evaluate your options
  • Verify planning priorities (estate, business succession, investments)

Step Four: Plan Presentation

  • Present our design ideas
  • Evaluate your alternatives
  • Discuss tax reduction strategies
  • Make specific recommendations
  • Deliver written or email financial plan
  • Establish action plan and time frame
  • Schedule a series of follow-up meetings with all necessary advisors

Step Five: Implementation

  • Implement Investment Policy Statement
  • Balance tax efficiency, asset purchases, and asset preservation with appropriate legal documents
  • Discuss and secure feedback on insurance solutions
  • Recommend specific products to meet your needs and coordinate strategic options
  • Schedule and manage implementation list with your attorney and CPA

Step Six: Annual Review and Ongoing Service

  • Identify current concerns
  • Acknowledge the progress you have made
  • Review what is new in your financial life
  • Take planning to the next level and address open items
  • Discuss periodic updates and assumptions
  • Renew planning contract
  • Other items to cover

We charge a flat financial planning fee to cover the input, design and educational process of your plan. The plan is renewable on an annual basis. Your information is kept confidential.  

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