Should I invest or pay off debt?
When should I take Social Security?
How much should I contribute to my 401k?
How much will I need in retirement?
Should I pay off my mortgage?

You can get generic answers to questions like these, but how helpful is that?

Effective planning means getting specific solutions to your specific needs.

Any financial plan requires execution, which is why we emphasize behavior in addition to having the right plan.


Our Financial Planning Process:

1. Initial call

You should trust your adviser to guide you on both complex and sensitive matters. We want to know that we can provide exactly what you need. This call helps us gauge your financial situation and lets you ask questions that test our qualifications.

2. Agreement

Our written agreement details the scope and estimated cost of financial planning provided. We use a similar contract for our investment management clients, however we do not assess planning fees for clients who meet our account minimum.

3. Gather information

We collect everything relevant to your current finances, goals, needs and specific areas of concern. This ensures we clearly understand your situation so that nothing is overlooked or miscommunicated prior to constructing your plan and giving advice.

4. Develop your plan

We build your financial plan. Some back-and-forth is usually required to dig deeper into certain details. Our goal is to complete your plan within two weeks from gathering your information (though actual completion depends on the complexity of your plan).

5. Present your plan

We provide your finished plan and our recommendations to achieve each goal. This includes assumptions (i.e. investment returns), actions required, outcomes and risks. We also forecast your wealth to show how your finances project into the future.

6. Follow-up

We meet yearly to adjust your plan for life changes. This is critical toward ensuring that your plan stays relevant over time. We periodically reach out during the first year to see that you are implementing the agreed-upon recommendations.