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Our Process

We serve individuals in the areas of financial planning  with an eye on the  tax implications of our planning.  Our goal is to develop long term relationships with our clients that take us through the ups and downs of their financial lives.  We want to educate and empower you to help make informed decisions.  We have a fiduciary responsibility to act in your best interest and have worked to develop processes that enable us to do that.




Step 1:  We begin with a conversation.   What is it you are trying to achieve?   Do you want to retire early, finance a child or grandchild’s education, purchase a vacation home or meet a particular goal or dream?  For most it is a combination of many needs & wants with this step developing a priority list.

Step 2:  We assess where you are now.  What do you have saved and invested today?  What are you putting away weekly, monthly, etc towards meeting your needs and wants?  How are your assets titled?  Are they in taxable, tax free or tax deferred accounts?  What pensions are available to you?  How are assets allocated? What is the risk level?  What have you done to protect assets either through insurance and/or trusts?  What is your current debt level and how is it being managed?

Step 3:  Here we develop a plan to move you forward.  We review where you are now.  We devise a plan with recommendations of how to get from here to there.  We consider options and alternatives.  We often have the hard conversation of what it is really going to take to get there and whether or not you are willing to put in that time, effort and sacrifice.  We revise the plan as new circumstances, decisions and choices become known.

Step 4:  We implement the plan.  We may redirect or retitle assets.  We may ask that you take advantage of employer matching options.  We may work with you and an attorney to get estate plans in place.  We review risk and work on protecting where needed.  We may have you pay taxes now to avoid higher tax bills later. We work with children, spouses and significant others in your life to help implement the plan.  We look at protecting assets and income streams.

Step 5:  We monitor how the plan is moving forward by reviewing and evaluating as needed.  We adjust as life happens.  We change course if needed as unplanned events occur.  We start over with Step 1 and move through to Step 4 over and over again – on an annual or more frequent basis depending on needs.


If you are coming for your first financial planning appointment we have a guide you can download by clicking on the following link for What to bring to your first financial planning appointment.


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