Our Sound Process

Our five-step process enables us to develop a lifetime, goal-focused financial plan that is personalized to your situation and aspirations.

Step Number 1

Get-Acquainted Session

We get to know your situation, objectives, and concerns while you learn about our services and approach. Together, we’ll decide if we’re a good fit.

Step Number 2

Information Gathering

We gather detailed data, giving us a clear picture of who you are, where you are, and where you want to go.

Step Number 3

Analysis and Observations

We conduct an in-depth analysis of your finances, look for more efficient solutions, and prepare our recommendations.

Step Number 4

Recommendations and Action Plan

We offer customized recommendations to help you pursue your financial goals. We also discuss and agree on an action plan to get you started.

Step Number 5

Implementation and Monitoring

We monitor your progress and make adjustments along the way. With guidance and accountability, you’ll be on your way to becoming more financially fit.

Complete Financial Planning

Our approach to financial planning provides a comprehensive roadmap that seeks to deliver financial security for you and your family. We identify your priorities, translate them into goals, review your financial resources, pinpoint any obstacles, create and implement your plan, and periodically monitor your headway.

Retirement Planning

We know from experience that careful planning can ease retirement worry by identifying potential issues before they arise and preparing contingency plans for when they do. We work with you to develop a predictable, sustainable, and growing income stream for maintaining your lifestyle; tax-management strategies to help keep more of what you’ve earned: and a coordinated investment strategy to fund your goals and objectives while minimizing risk.

Cash Flow Planning

We’ll look at what you have coming in now, what you expect in the future, and considerations regarding your pay, pension, Social Security, and other income sources. Then, we will examine what is going out and divide your expenses into “Needs” and “Wants.” You’ll gain a deeper understanding of how cash flow affects your financial future.

Investment Management

The role of savings and investments is to get you where you want to go. Our job is to select the most appropriate combination of investment vehicles to take you to your destination as safely and efficiently as possible. Successful, long-term investing is about matching your objectives and timeframes with the right mix of stocks, bonds, and cash, reducing risk by not putting all your eggs in one basket, researching and choosing quality investments in each category, and monitoring and periodically adjusting your mix.

Tax Planning

Our knowledge of the tax code can save or enhance a family’s net worth by thousands, or even hundreds of thousands of dollars over a lifetime. The best part is that tax savings are measurable enhancements that have nothing to do with the stock market, interest rates, or the economy. There are a multitude of techniques at our fingertips to help you keep more of what you’ve earned.

Insurance Analysis and Consulting

Insurance is used to provide a shield or fill a financial hole created by unanticipated (or sometimes, anticipated) events or misfortune. As your guides, our job is to help you identify and quantify the risks that present a threat to your financial security. If insurance is warranted, we’ll help you choose the right type and amount, so you’re not wasting money on coverage you don’t need or will likely never use.

Estate Planning Guidance

The goal of estate planning is to make sure what you have accumulated throughout your lifetime passes efficiently to whomever and however you want. There are a variety of techniques designed to protect your assets today and help ensure that your intended heirs receive the most from your estate with the least hassle, confusion, or misunderstanding. We’ll talk through strategies to help reduce taxes and protect your legacy.