By following a three-step process to
formulate a financial plan, each step
offers reassuring benefits to you.

Step One: Understanding Your Life Goals

Our philosophy focuses upon your needs and goals. This first step supports the necessity for detailed client data. Initial client interviews are designed to determine goals and objectives while gathering current financial information. From factual data on career, debts, family, health, income and assets to your views on risk tolerance, your future stability will be determined by the many factors that affect your finances today, tomorrow and in the years to come. We believe that a solid financial plan must take that complete picture into account.

Step Two: Development of Unbiased Objectives & Recommendations

Next up is a goal-oriented, two-part planning process. Objectives and recommendations are developed. You can clearly visualize what is required to meet your stated goals. Individualized plan recommendations may include a specific investment allocation design, tax planning, risk management and estate planning. Based upon specific needs, qualified relevant professionals’ recommendations are incorporated into a comprehensive solution. You can trust that, as an unbiased, fee-only firm, our recommendations are made objectively and specifically to meet your individual needs.

Step Three: A Flexible yet Comprehensive Financial Life Plan

The result is a flexible, comprehensive and easily amended financial life plan designed to meet your changing needs, styles and market conditions through ongoing management and reallocation. You can feel confident that we are keeping a watchful eye on each aspect of your plan.