Developing a road map to get you where you want to be.
We believe that adopting a holistic planning approach that focuses first on your life goals and aspirations seeks to improve the chances of achieving the future that you envision. Comprehensive Financial Planning is a process – a journey, really – that you and our team, as your financial guides, will undertake together. By helping you articulate your aspirations and what’s important about money to you, we are better able to understand where you want to be and develop a road map to try to help you get there. Whatever your hopes for the future, the only way to achieve the vision of how you’ll spend the years ahead is to commit to a plan that helps you on your journey.
But it doesn’t stop there – it is an ongoing process. Over the course of your lifetime, your dreams, goals, and circumstances can change. Through life’s ups and downs, we’ll be there to provide guidance, monitor your progress, and help keep your plan in sync with your dreams. This disciplined planning process has helped other clients eliminate debt, better understand the financial decisions that support their situation, and improve family communication regarding money issues.
How you envision the rest of your life might involve family members, adventurous travel, or passions you postponed to pursue a career or raise a family. Maybe you’re already living the life of your dreams, but thinking about your legacy. We are here to help.
Well before we get down to crunching numbers, we’ll talk about the things that are most important to you – family, community, pastimes, and faith. We’ll ask a lot of questions about what you are really thinking, feeling, worried about, your experiences with money, and what you’ve accomplished so far. Together we’ll figure out where you are now.
At the first meeting, we’ll have a conversation in our office where we will explore what’s most important about money to you. We’ll work together to review (or establish) your goals and benchmark where you are now financially. The result of the Discovery Meeting is that you will have completed your Financial Road Map® – for living life on purpose. Your goal for this mutual discovery meeting is to gain clarity about your financial goals in relation to what is important to you.
**NOTE: Two things which are required for you to have the best experience and greatest result at the Discovery Meeting:
- You will be glad you remembered to bring all of your financial documents!
- If you are in a committed relationship, both of you will need to be at the meeting. If a conflict comes up for one of you, no problem, just call and we’ll reschedule, but it’s important that you both attend.
Based on what we discuss in the Discovery phase, we will assess your personal situation, gauge where you are now relative to your life goals and priorities, and consider what gaps exist. We will weigh the financial implications of each goal we discuss and construct the framework for a plan that supports them.
Hourly Consulting Program
Individual Analysis and Evaluation in Areas such as:
- Asset Allocation
- Business Planning
- Buy/Sell Review
- Business Succession
- Family Wealth Transfer
- Cost Basis
- Debt Management
- Divorce Issues
- Estate Settlement
- Goal Planning
- Purchase Analysis
- Retirement Plan Review
- Special Needs
Modular Financial Planning
Analysis and Evaluation in Select Areas with Written Recommendations and Implementation Strategy. Areas Subject to Evaluation Could Include:
- Annuity Income
- Asset Allocation
- Asset Protection
- Business Insurance
- Financial Statements
- Current Income
- Current Expenses
- Current Cash Flow
- Emergency Reserves
- Life Insurance Needs
- Long Term Care
Comprehensive Financial Planning
Analysis and evaluation in all needed areas with written recommendations and an implementation strategy.
Concierge Level Services Including:
- The Cornerstone Experience™
- Addressing The 6 Big Risks®
- Recurring Review Cycle™ meetings Annually
- Personal eMoney 360 Pro access and website
A benefit of holistic planning is that it provides a comprehensive view of all areas of your financial life. During this phase, we will recommend specific strategies to help match each of your personal financial goals. Having a comprehensive plan to accomplish your goals and then not implementing it is like buying an airline ticket and not taking the trip! So, the next step in the process is the most important one because it is where all the results come from. This is where we implement your customized plan with the goal to take you from where you are now to where you want to be!
We offer implementation strategies in:
- LPL Insured Cash Account
- Premier Money Market – Tax Exempt Portfolio
- Cash Flow Review
- Debt Analysis: Good Debt / Bad Debt / Necessary Debt
- Debt Liquidation Schedule
- Personal Wealth Portfolios
- Strategic Wealth Management
- Manager Select
- Optimum Market Portfolios
- Life Insurance
- Disability Income Insurance
- Long Term Care Insurance
- Property and Casualty
- Personal and Business
- Buy/Sell Implementation
We offer our services to meet your specific needs:
- Hourly: Consulting Fee Services™
- Fee Only: Customized or Comprehensive Financial Solutions™
- Fee-Based: Customized or Comprehensive Financial Solutions™
- Fee-Offset: Implemented Comprehensive Financial Solutions™
- Fee-Based Advisory Platforms available as Centrally Managed or Open Architecture.
- Mutual Funds
- Separate Accounts
Just when you make plans, life happens – and events large or small can change everything. This monitoring stage incorporates tracking systems to keep your plan on target. We’ll help you plan for the unexpected, anticipate change, and adjust your plans over time, as necessary.
Meetings will focus on:
- All Risks Review™
- Milestone and Tax Planning Review™
- Financial Road Map® Update
- Ideal Life and Legal Planning Review™
- Coordination with other professionals (CPA, Attorney, etc)
This process is optimal for our Comprehensive Financial Solutions™ clients. The monitoring process will be modified appropriately for our Consulting Fee Services™ and Customized Financial Solutions™ clients.