Relax, it's ok, we don't expect you to have everything figured out, or you probably wouldn't be talking to us!

Many of our clients come to us having done some planning on their own and often, even with another firm. We are going to ask you a lot of questions. Not all that different from visiting your Dr. for the first time, we want to assess your financial health.

There are no right or wrong answers, just honesty, so that we can meet you where you stand. This is our way of identifying your blind spots of opportunity. After our assessment, we will tell you where we believe we can bring value to your life.

Once we have determined if working together is a good fit, we will quote you a flat fee for advice based on the complexity of your situation.

Just about all of our relationships start this way, because first and foremost, you have come to us for advice, not to be sold products or investment strategies.

This flat fee covers the first year working together, giving you access to our team, so you don’t feel like you’re on the clock every time you call. We want you to ask questions, our job is to educate you, not alienate you!

During this first year, we will establish a list of items that will require you to take action to move you ahead. You will then need to decide which items you want to implement on your own, or which items you'd like us to assist you with going forward. Depending on what you choose, that will determine your fees for the future.

Gathering the pieces of the puzzle

The only way to put together your puzzle is by having all the pieces to work with. When we have accurate and concise information upfront, that gives us the details we need to deliver the most appropriate tailored advice and recommendations.

You will have access to your own state-of-the-art financial planning portal, where you can upload and store documents, consolidate your accounts, and keep track of your spending if you choose to do so. We will also work together to get a handle on your cash flow, so we understand your current spending and savings strategies.

Our industry is notorious for focusing on risk tolerance and performance, but this just doesn't go deep enough to uncover what is really needed to support a financial plan.

Yes, risk and performance are important, but no different than knowing whether your car runs on regular or premium gasoline.

Determining your NEED to take on risk vs your WILLINGNESS to take on risk, helps us to manage expectations to create better outcomes.

We focus on building investment strategies that take on the risk level needed to support plans and stay away from chasing performance, which is an arbitrary number, that has the ability to derail them.

Creating Flexibility for Your Future

Financial Planning doesn't have to be ridged, in fact there are many ways to accomplish the same thing. We know that most importantly, the only way you will make progress is by choosing a path you feel most comfortable with.

During this part of the process, is where we will show you alternative options to take you where you want to be.

Examples include and are not limited to:

• Consolidating Accounts
• Re-allocating Investment Strategy
• Retitling Accounts
• Updating Beneficiary Designations
• Increasing Tax Deferrals or Redirecting Savings Across Qualified Accounts.
• Coordinating the Updating or Implementation of Estate Plan With Legal Counsel
• Adding, Removing, or Changing Insurance Coverages.
• Company Benefit Review and Optimization
• Changes to Retirement Dates

Let Us Be Your Ongoing Thought & Accountability Partner

After we have delivered our list of action steps to you, they will live in your financial portal until you complete them. Since our advice is unbiased and objective, you are free to implement the recommendations however you’d like.

While the objective of this process is not to "sell you other products and services", we find that we help our clients get better results with their planning when they allow us to coordinate and manage the components that make up their financial plan. Therefore, our growth and success together are aligned.

This often means taking over the management of investment portfolios, so that we can build and continuously align an investment strategy to support your planning. In the event you need insurance, we are independently appointed so that we can shop carriers on your behalf to find products with the most appropriate fit for your situation to align with the plan.

All of these additional services are done for a separate fee that is discussed in the fee section of the website.