Our Financial Planning Process blends six separate steps into one fluid course of action. It is a top priority for every household to detail, prioritize, inventory, acknowledge, organize, evaluate, discuss and plan their financial existence. In collaboration with the client, our professional experience and services will complete this most important mission. Our team combines cutting-edge planning approaches with the qualifications, experience and education that the Certified Financial Board of Standards mandates for those individuals who have achieved the distinguished status of a Certified Financial Planner®.

1. Identify Goals and Objectives
   Our first step is to identify the planning goals and objectives for your family. The framework of discussion focuses upon hallmark events such as educational funding, retirement, survivor needs and estate planning. Also included in this step is a risk analysis that will evaluate the client’s threshold for market fluctuations and expected investment returns.
2. Collect Qualitative and Quantitative Data
   This stage includes understanding how asset accounts are currently set-up between individual, joint, trusts and retirement plans. In addition, we will examine the types of assets you are holding and the current market value of those assets. We will look at cash inflows and outflows in order to prepare monthly budgets. All liabilities are documented along with any associated interest rate and term.
3. Analyze and Evaluate Data
   Once the goals and objectives are clearly defined and all of the data is gathered, we will analyze the information and create a complete and comprehensive plan. The evaluation will include an assessment of financial concerns, net worth statement, cash flow analysis, survivor needs, insurance evaluations, a current asset allocation and a retirement analysis that will detail when the client can retire and what financial independence you can enjoy.
4. Present Recommendations
   A meeting will be held to present the financial plan. At this point we will discuss all of our findings and recommendations in a thorough plan. We will detail the current situation and address the means in order to ascertain future goals. Existing strengths and weaknesses will also be communicated.
5. Implement Recommendations
   Assuming there are changes that need to be made in order to accomplish stated goals and objectives, we will institute a plan that will “right the ship”. Strategies for saving methods, asset allocations, estate planning, insurance and financial independence will be implemented.
6. Monitor and Re-evaluate
   Once the necessary changes have been initiated and the goals and objectives are being addressed, there is an indispensable need to monitor and review the plan every few years or so. Even small changes in people’s lives can have a profound impact upon the structure and direction of their financial plan.