What We Do

Financial Planning is a life-long journey that assists you and your family in taking control of your financial future... I like to describe it as “getting your financial house in order”. First, it’s important to understand the difference between Financial "Life" Planning vs. Traditional Financial Planning.

Financial life planning is an approach to financial planning that places the interior history, transitions, goals, and principles of the client at the center of the financial planning process. It is literally a matter of connecting your money and your values with your life. In contrast, at the core of traditional financial planning are numbers, graphs, dollar signs and tax laws. It generally ignores the interior person, whoever he or she may be or wherever he or she has come from.”

Therefore, the creation of the total financial relationship begins with a comprehensive written financial plan, the cornerstone of successful wealth management. It begins with identifying financial goals, developing and implementing financial strategies designed to meet your goals, and monitoring progress on a regular basis, the likelihood of achieving your results is greatly increased. I like to refer to it as The Four “D’s” of Financial Planning...

Discover - the process of helping to identify, define and prioritize the truly important things in your life

Dream – “what do you want to accomplish” envisioning what life would be like realizing the life goals you set out to achieve

Design – this is essentially your Financial Blueprint.  We act as your financial architect to help you build your financial dream house.  We take and analyze everything we've gathered both in financial data, but more importantly, your values, dreams, and desires.  We then meet with you to unveil the truth about your current financial condition during what we call, a strategy session, allowing you to understand where you are now in relation to where you want to be in the future

Deliver - working with a personal financial planner to help with the implementation of your life’s plan, “the call to action”.  And then once your plan is set in motion, you’ll define how we communicate with you – phone, email, mail or in-person, but you can expect us to deliver proactive, transparent communications and unparalleled service. You’ll also gain anytime access to statements and performance reports through our portal and your personal financial website, created by us, your Wealth Advisor. We will schedule annual plan updates to ensure your financial goals and objectives remain current.

Most people find that managing their finances is a challenge. We face many opportunities, obstacles and hazards along the way. We struggle with anxiety relating to our personal financial circumstances. Further, many families are too busy dealing with the challenges of day-to-day life to think about next month; let alone retirement, which may be twenty years or more into the future. In addition, you may not have the expertise, the time nor the desire to actively plan and manage certain financial aspects of your life. You may benefit from an objective, third-party perspective on what are often emotional, difficult decisions. And in today’s hectic world, it can be beneficial to have a financial planning expert help to make sure you stay focused and follow through with your financial “life” plans.

By developing a financial plan, you and your family:

• Will be able to better understand your current financial situation
• Define retirement, education, insurance and other financial goals which have a reasonable likelihood of success
• Review goals, funding strategies and alternatives where goals may not be able to be met
• Understand the financial resources necessary to fund your goals as they occur
• Reduce the financial impact of unexpected events, such as disability, premature death, etc.