Establish the Relationship

Every financial planning relationship begins with the “establishment” phase. Establishing the roles and expectations of both the financial planner and the client is a critical initial step to a longlasting and trusted relationship. We further clarify such important issues as fee structure, communication preferences and other often overlooked factors that are important to laying the foundation.

Gather the Information

In order to properly evaluate each client at our firm we must learn as much as possible to truly “know” our client. Detemining your current financial status, personal and financial goals, needs and priorities, and all other pertinent information forms the backbone of your financial direction, strategy and plan.


We take all of the information you gave us and analyze the most appropriate steps necessary to reach your financial goals. We look at debt ratios, asset levels, investment allocations, risk tolerance levels, insurance, estate planning information and your other financial data necessary to form a comprehensive financial plan.

Develop and Recommend

Once we have completed our analysis, we develop and recommend the necessary action steps to help you meet your specified goals. During this step, we identify and evaluate your financial planning alternative(s) and your investment policy.


Once we have agreed upon the necessary steps to meeting your financial goals, the implementation phase begins. The implemention phase will consist of a list of action steps required of both you, the client, as well as your financial planner. During this step we will clarify responsibilities and select the products and/or services needed for implementation.


Once we have established our planning relationship, gathered the necessary information, analyzed that information, developed a plan, and implemented your financial plan, the monitoring phase begins. We have found that the monitoring of your financial plan can often be the most critical step to successful financial planning. It involves a multitude of factors such as the timely communication of the frequent changes that occur in each client’s life(s), the changing of goals and objectives, the investment allocation adjustments needed due to income changes unique tax situations and evolving risk tolerance levels, as well as market and tax law changes. We find that the monitoring stage of the financial planning proves often the most time consuming and most important function in the success of your financial goals.