Our Process

A Planning Process Built for Clarity

A structured first year, ongoing guidance, and focused reviews designed to keep your plan moving forward.

Our process is designed to help you understand where you are, where you want to go, and what steps can help you get there. In the first year, we take a deeper look at your financial life through a series of focused conversations, building a comprehensive foundation without overwhelming you. From there, we continue with regular reviews and ongoing support, helping you adjust as life changes, decisions arise, or new opportunities emerge.

Year One: Building the Foundation

I. Fit Conversation

We begin with a conversation to understand your needs, answer initial questions, and determine whether our team is the right fit.

II. Discovery

We take a deeper look at your full financial picture, including your goals, values, assets, liabilities, income, expenses, and priorities.

III. Strategy Analysis & Recommendations

We’ll work with you to analyze the proper budgeting and cash management programs, risk management or transfer strategies, and estate coordination and planning strategies.

IV. Risk Management & Estate Planning

We review foundational planning areas such as property and casualty, disability, life, health, benefits, and estate planning considerations.

V. Investment Planning

We develop a portfolio strategy that stays aligned with your goals, risk tolerance, time horizon, tax planning, and broader financial plan.

VI. Retirement Income Planning

We focus on one of the most important areas of planning: creating a strategy for income, sustainability, and confidence in retirement.

We’ll take you through our five-step planning process:

  1. We’ll discuss your ideal time horizon or help you create one if you’re unsure.
  2. We optimize your tax burden by harvesting losses, managing income to the tax code, utilizing all applicable deductions, and using alternative investments and income sources to diversify and enhance outcomes.
  3. We implement guardrails to account for risk.
  4. We account for reasonable inflation over time.
  5. Taking the strategies and results from the previous steps, we will craft a custom value-driven income strategy based on your needs and desires.

Ongoing Planning

I. Semi-Annual Reviews

Twice a year, we take a deeper dive into one to three planning topics, helping keep your financial plan current and address new developments, changing circumstances, and relevant changes in the law.

II. Life Events, Family Conversations & Additional Meetings

Your financial life does not only change twice a year. We schedule additional meetings as needed for transitions, opportunities, family conversations, or major decisions, including legacy discussions with the next generation when appropriate.

Your Best Life
Needs a Clear Plan

When your financial life is organized, intentional, and aligned with your values, you can focus less on uncertainty and more on living fully today while preparing for tomorrow.

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