Financial Planning

Financial Planning


When it comes to developing a financial plan for our client’s we utilize the steps below to determine whether and how a client can meet their financial goals given their financial resources.

The list below identifies the steps we would discuss as part of our financial planning process.

  1. Establishing and defining the client-planner relationship
  2. Gathering client data including goals
  3. Analyzing and evaluating the client’s current financial status
  4. Developing and presenting recommendations and/or alternatives
  5. Implementing the recommendations
  6. Monitoring the recommendations


1. Prior to the first meeting we would communicate to you the types of information we would need regarding your personal financial situation so that we can construct a well-rounded financial plan. We provide our potential clients with an outline to help them gather the information needed prior to our first meeting.


2. Once you have gathered the data, we prefer to have our initial meeting in person so that we can sit down with you to review the information provided, inform you how we are compensated and listen to your goals and objectives.


3. After the first meeting we will analyze the information provided to determine the potential of meeting the outlined goals. We do this by evaluating your current financial situation, income sources and expenses.


4. We then take this information and develop a financial plan and projected cash flow analysis. It is from these two documents that we can determine the likelihood of meeting your goals (both long-term and short-term) and the proper portfolio allocations needed to meet those goals.  We would then meet again to present this information to you and let you decide how you wish to proceed.


5. Should you decide to utilize our services we would then start the process of consolidating your accounts and implementing the recommendations.


6. Once your plan is up and running, we typically monitor your progress on a monthly basis and meet with you for a full review at least annually.