Our Financial Planning Process

Our Financial Planning ProcessOur typical new client process begins with a discussion of your financial goals, a review of your financial history and values, along with an examination of your current situation. 

A planning engagement generally provides feedback on your current portfolio, and whether your current condition places you on the glide path to achieving your goals such as retirement, educating your children, caring for parents, or passing on your estate with the minimum of red tape and taxation.

Refining your plan usually involves development of an investment policy statement, which captures factors like your risk tolerance, baseline asset allocation, and specific financial objectives based on their time horizons.  Once these aspects have been decided, any required changes to your portfolio are implemented and decisions are made about future cash-flow, depending upon whether you’re accumulating assets or drawing on them to live.

Our financial planning processAgreements are reached about frequency of future meeting and the format used (in-office meetings, video conferences, phone calls, or just printed report) based on client preferences and the complexity of your financial situation.  Our state-of-the art “Eagle Eye” client websites provide immediate access to your financial picture and consolidated viewing of bank and credit card information as well as secure “Online Vault” space for important financial and family documents.

Our investment process uses professional money managers to handle the core assets (exposure to stocks and bonds) which we complement with smaller elements using a variety of investment options to provide a customized, risk-managed portfolio that will deliver resources to help meet planned objectives.

Financial planning is a process, and requires monitoring and revision in response to changing goals and conditions to ensure that important objectives are attained.  We look forward to working with you in this process!