Where do I Start?

Working Together

What To Expect

Where Do I Start



Working Together

We don't believe in a "one-size-fits-all" approach. Instead, we work with you to create a strategy that's based on your individual needs and objectives.


Let's talk: That's how it all begins-with a simple conversation. Let's get together at your convenience, maybe over coffee, and see if working together makes sense for both parties.

Be open and honest: We'll try our best to anticipate your needs, but will never assume anything. That's why it's so important to be as candid as possible when discussing your goals.

Ask lots of questions:  Go ahead, we don't mind. In fact, we love to answer questions and want to make sure that you fully understand every recommendation we make.

You make the decisions:  While this is very much a team approach, there's never any doubt who's in charge. We'll analyze your needs, review your coverage, and supply all the information-but every decision is completely up to you


What To Expect

The Holistic Planning Process and the "Ten Steps to Financial Harmony"

1. The Discovery Interview

Initial meeting with client to discuss their concerns as well as attitudes and beliefs, identify objectives and priorities.  Discuss current financial position.

2. The Re-Presentation Interview

Review of facts and confirmation of goals.  Crystallize objectives and priorities.

3. The Net Worth Review

Creates a detailed statement including financial, personal, and business assets as well as liabilities.  Includes intuitive graphical portrayal.

4. The Asset Allocator

Analyzes current investment assets by style and category.  Quantifies risk/return characteristics.  Review strengths and identifies potential areas for improvement.

5. The Income and Cash Flow Review

Reviews current income and expenses and considers future income and expenses.  Considers inflation and discusses tax issues.

6. The Capital Needs Analysis

Reviews the needs of self, surviving spouse and family in event of untimely death or disability.  Plans for potential liquidity needs.

7. The Retirement Feasibility Analysis

Evaluates client's ability to retire based on stated objectives. Identifies potential deficiencies and opportunities.

8. The Estate Transfer/ Business Succession Review

Analyzes future wealth transferred to heirs. Coordinates Wealth Accumulation, Estate objectives and Business Succession objectives while looking at retirement cash flow and Investment allocations

9. The Five Areas Checklists

Checklists to review planning opportunities and shortfalls in the five key areas:  Business Planning, Asset Management, Estate Conservation, Income/Cash Flow Review, and Risk Management.

10.  The Periodic Review Interview

Monitors plan progress, reassess goals and priorities, adjusts as indicated.


Where Do I Start

Click to download the documents below: 

The First Step: Create Your Vision 

  Visioning Exercise

The Second Step: Identify your Priorities 

             Priority Checklist

The Third Step: Analyze How You Feel

            Financial Attitude Questionnaire

The Fourth Step: Complete Your Personal Inventory

           Confidential Financial Questionnaire

The Final Step: Contact Us For A Consultation

          Please use the contact us button to e-mail us or give us a call. We can help you analyze your needs and recommend appropriate solutions.





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