Process

The Five Stages Of The Financial Planning Process

Establish The Relationship

We first determine whether we are a good fit for each other, and if we are we then identify roles and responsibilities in the process, so that we each have a clear understanding of how we will work together.

Gather The Data

We gather qualitative information such as goals and objectives, and risk tolerance as well as quantitative information such as asset values and tax information.

Analyze The Data

We analyze the data and make sure we have all the information we need in order to develop the plan.

Develop A Plan

We develop a plan that both illustrates the client's current situation, and then layers alternatives meant to help them reach their goals in a manner consistent with their values and intentions.

Implement The Plan

We work closely with other professionals such as attorneys and accountants to implement the financial plan. Through our access to investment and other financial instruments, we have the ability to help implement aspects of the plan that call for these products and services, but the client is free to work with other financial professionals of their choice.

Monitor The Plan

We review the plan with the client on a regular basis to determine whether it needs to be modified due to changing circumstances.

E-Money

Central to our process is E-Money, the most comprehensive and integrated suite of software tools available. We use these tools to build a secure web site for each client, giving them and their legal and accounting advisers access to their changing financial condition in real time. E-Money puts our clients in charge of their affairs in a way that they have never before experienced!

How We Are Compensated

The first meeting is a free no-obligation consultation - an essential part of establishing the relationship that will drive all future work. Our financial planning services are entirely fee-based. Should clients choose to implement their plan with us in a way that results in investments being made and products being purchased, we are compensated directly by the companies we work with.