This starts from day one and continues.  The information we gather from you is critical in providing a good plan.  This will require a bit of time and effort on your part, but it is necessary.

We’ll send you a link to your own client site.  This site will become your personal financial center.  Your data is secured through a combination of technology, system design and architecture and strict policies and procedures.  You will have 24 hour real-time access to all your finances in one place!  In addition, you will be able to store important documents in your online ‘vault’.

From the information gathered during this process and ongoing discussions with you, we’ll create customized reports, analysis, and action plans.

As we’ve mentioned, having a plan is a great first step, but unless you’re taking steps to implement the plan, it won’t do anyone any good.

This is when we’ll take the initial look at all the financial planning steps (see below) and determine where to make some adjustments. Some topics may be more urgent than others, and we’ll talk through what your priorities are to determine which ones to tackle first.

  • Cash flow management
  • Developing personal financial statements
  • Education funding strategies
  • Insurance planning
  • Investment planning
  • Income tax planning
  • Retirement planning
  • Estate planning

We’ll look at all accounts no matter where they are held to give an aggregated view of cash flow management, insurance, investments, and goal planning (neww business, weddings, babies, travel, retirement, second home, just name it…). It may be that you’ll need a referral to an estate planning attorney or accountant.  Whatever the next steps are, we’ll be helping along the way.



At least once per year, we’ll set some time aside to thoroughly evaluate your plan.  We’ll look at our previous assumptions and review current status.  There are usually a few updates each year, whether it’s on the client’s side (income, goals, family dynamics, etc…), or elsewhere (rules, regulations, inflation, market return assumptions, interest rates, etc…).

A good plan will adjust to changes along the way and become even more customized over time. Your life doesn’t stand still and your financial plan shouldn’t either.