Broker Check

Our Process

Establish & Define the Scope of the Relationship

  • “Meet & Greet”: introduction to ourselves and processes
  • “How We Work”: types of engagement/compensation/planning, what we will not do
  •  Gather basic information

Gather Data

  • Quantitative: financial statements, tax returns, cash flow, net worth statement (debt, assets)
  • Qualitative: Past financial experiences, family, activities, organizations, “Vision”
  • Identify Goals: Lifestyle, legacy, specific subject area (retirement, education funding, etc.)
  • Identify Needs: Essential vs. discretionary, one time vs. ongoing, flexibility in outcome
  • Sources of Income: types, start/stop date, survivor options, earned income, passive income
  • Planning Software

Analyze Data

  • Preliminary Projection of Preparedness (Monte Carlo): inflation, market fluctuations
  • Determine Appropriateness Investments: asset allocation, asset location
  • Review Risk Mitigation: Strategies, level of protection
  • Define Potential Shortfalls
  • Identify Possible Contingencies: LTC, disability, premature death, support, living longer

Develop Recommendations, Alternatives & Communicate

  • Shortfalls & Potential Remedies: help client identify priorities
  • Asset Allocation: risk tolerance, risk capacity, Total Wealth Asset Allocation
  • Asset Location: account type, tax status, tax diversification
  • Income Strategies: current/future, converting assets into an income stream
  • Risk Mitigation: premature death, disability, Long Term Care, insure vs. self-insure
  • Tax Considerations: Income strategy, conversions, gifting, tax advantaged tools
  • Legal Considerations: Estate planning documents, structure, Beneficiary structure
  • Contingencies: communicate types and their impact


  • Changes to existing accounts, structure and establish new accounts
  • Referrals to legal, accounting professionals

Monitor & Review

  • Ongoing Maintenance and Reviews
  • Update for Life Events, Potential Impact