Financial Planning


Financial planning is the process of developing a strategy or program to assist in working towards at least one financial goal or need. The process starts by gathering and analyzing relevant financial data, client values, needs and goals, resulting in an action plan or recommendations, including acknowledgement of related financial issues and topics that may deserve attention.


Our assessment starts with your goals and objectives. Once we know where you are headed we can begin to look for the important financial metrics that will help you get there. Our team will assess your investment portfolio, insurance coverage, wealth transfer strategy, tax situation, cash flow, and outstanding liabilities to give you a comprehensive view of your current financial picture. The assessment process is critical to help you set financial goals. By the end of this step our goal is to have you start viewing your financial life collectively, not as individual parts to be managed independently of one another.


Once you and our team can see your entire financial picture, we will work together to create your unique financial plan. Your plan extends far beyond just a few investments in a portfolio. We will look at your near-, mid-, and long-term goals, prioritize them, and build a plan with defined steps to execute. Our specialty is helping you to turn your tangible life goals (improve my cash flow, retire at 60, send my kids to private college, travel the world) into financial targets to strive for. When all areas of your financial life are working together, your goals may be easier to reach then you think.


Once your plan is in place, we meet periodically to review how the implementation is going and if any changes need to be made. How often we meet is up to you, making you comfortable with your progress toward your goals is at the core of our service experience. In addition to the goals we have set out together, we also compliment your plan with our robust client Standard of Care. Like your family physician, we have a set of milestones that will trigger us to review specific areas of your financial life that may not have been identified in our initial plan, but are vital for your plan’s long term success. Through various stages of life and wealth, we will reach out to discuss various topics in the areas of asset management, risk management, cash flow and debt, retirement planning, estate planning, college planning, and eldercare.