FINANCIAL PLANNING
designed to fit your life

We have done financial planning long enough to know it is not about college planning. It is about educating your children so that they may have a good start to adulthood and life.

It is not about retirement plans. It is about rewarding yourself with financial independence for a body of work that required decades of hard work and sacrifice.

It is about designing a life for you and your family, and your passions and interests outside your family. We know from experience proper planning in your financial life will provide more focus, time, energy and resources for life’s other pursuits. It is simply about making life better.

A successful strategy in any endeavor is predicated upon the following constants. You have to know where you are today. You then determine what outcomes you desire and why. Follow those with deliberate and disciplined actions. Measure your results, assess whether they are satisfactory and aligned with your goals. And last, continue on the path if it is working. Or change course if the results are not matching your expectations.

Financial Planning Process

PHASE 1 | KNOWING YOU AND YOUR GOALS

Initially, we must first understand where you are today financially and where you want to be, and then develop an understanding of your attitudes toward risk, return and investing, which will serve as the foundation for your ultimate investment allocation. We will take an inventory of your current and future financial resources and establish your family’s financial goals regarding retirement, education, vacation homes, gifting, and anything else unique to your individual circumstances.

PHASE 2 | DEVELOPING A FINANCIAL STRATEGY AND PLAN

Once we have established where you want to be and how best to get you there, we will prepare a written forecast of your goals and personal investment policy. The objective is to provide insight into your personal financial situation and to establish the investment discipline we will implement in managing your assets. This report card will be revised as necessary to help ensure your family’s success in accumulating wealth and achieving financial independence. Often, we’ll collaborate with your other professional advisors, such as your CPA, attorney and insurance specialist.

PHASE 3 | IMPLEMENTING YOUR PLAN

Based on our independent research and analysis, we will implement your investment plan to include the appropriate asset classes, money managers and specific securities that create an integrated portfolio. The asset classes, managers and securities are diversified to help create a prudent, risk-managed and profitable portfolio.

PHASE 4 | REVIEWING AND MONITORING YOUR PROGRESS

To accommodate market volatility and any changes in your life, we will employ an ongoing and systematic review process to monitor your personal financial situation, investment portfolio and the financial markets. This allows us to plan ahead and efficiently make the necessary adjustments to your financial plan and investment portfolio.

PHASE 5 | ONGOING COMMUNICATION

In the spirit of transparency, you will receive monthly brokerage statements. Additionally, we maintain portfolio management and performance software to produce personalized performance reports on your portfolios. They provide details of your investments and the specific financial results for that specific time period. In addition, you will receive timely written commentary of our investment strategy, the financial markets, financial strategies and the economic climate.

Through periodic phone calls, we will keep you informed of updates to your portfolio and your personal financial plan. In personal review meetings, we will provide a thorough review of our economic and markets outlook, a review of your portfolio’s performance and our investment strategy, and have a discussion about any changes in your personal life or your goals.

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There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss.

How we go about building your portfolio.
See our investment strategy