Process
Developing plans for our clients is not a one size fits all template. We spend as much time as needed discussing financial situations and goals so that the plans are specific and comprehensive. This may be accomplished in one or two initial meetings, or may take several meetings to be sure everything is addressed properly. Financial advice for one person, may not be proper advice for another.
Initial Meeting: Gathering Information & Discovery
We start by walking through who we are and how we work, then spend most of the meeting listening.
We'll ask a lot of questions about your situation, your goals, and what's keeping you up at night. This conversation is the foundation of everything that follows — a plan built on incomplete information isn't worth much.
Analyze & Strategize:
With your information in hand, we build the customized plan collaboratively.
We review every area of your finances, not just the one that prompted the call — investments, taxes, insurance, retirement income, estate. This holistic approach helps to address potential future pitfalls you may not have realized you should be addressing.
Develop Recommendations With You:
We walk through the plan together, financial area by area, with the whole picture in view.
This is a discussion, not a presentation. We'll explain the reasoning behind each recommendation and why it fits with your overall financial picture. This is not us telling you what to do, but a collaborative discussion on to a path moving forward. Covering it all sometimes takes more than one meeting. By the end, the direction is clear, but we remain by your side going forward.
Put the Plan in Motion:
A plan on paper doesn't do anything. This is where we implement, we handle any actions that need to take place, and where appropriate coordinate with your other professionals.
Monitor & Adjust:
Things change. Jobs, markets, tax law, families.
The plan gets revisited as often as it needs revisiting. We meet on an ongoing basis to review where you stand against your goals, and we're available in between when something comes up that can't wait for the next review. We are a resource for you going forward.
Services
How We Work
Our process is built around comprehensive planning and ongoing advice designed to help you make confident financial decisions at every stage of life.
Financial Planning & Strategy
- eMoney financial planning platform, including a full balance sheet review
- Financial goal planning and progress tracking
- Emergency reserve analysis and recommendations
- Education funding strategies
Retirement & Income Planning
- Social Security claiming strategies
- Annual employer retirement plan reviews (401(k), 403(b), 457(b))
- Retirement income planning and distribution strategies
Investment management
- Model portfolios tailored to your situation
- Portfolio analysis of outside-held investment accounts
- Tax-loss harvesting (when considered advantageous)
- Roth IRA conversions (when considered advantageous)
- Estate planning evaluation
- Generational & Legacy Planning
- Protection assessment, including life, disability and Long Term Care
- Tax planning and coordination
- Beneficiary review for investment accounts and life insurance
Risk, tax & estate planning
Good planning doesn't happen in isolation. We coordinate directly with the other professionals in your financial life — and where you don't have one, we can introduce you.
- Coordination and collaboration with CPAs and estate planning attorneys
- Referrals to vetted professionals when you need one
- Direct communication between advisors; you don’t need to be the middleman
Professional collaboration
