Our Process

Phase I: Initial Meeting: Discovery

• Getting to know each other.
• Learning about your specific values, concerns, needs, personal and financial goals.
• Big picture, your current unique financial situation/financial
• Your experience in dealing with personal financial matters, risk tolerance, emotional feelings toward money matters
• Explanation of what we can offer, our philosophy/approach to financial planning/investing, how we are compensated.

Phase II: Evaluation and Analysis

After initial meeting, we run an analysis of all information given at initial meeting

• Our primary objective is to develop a long term strategy that is custom tailored and suitable for your unique needs
• If plausible we contact your other current advisors (CPA, Attorney etc.)

Phase III: Strategy Presentation/Implementation Recommendations

• We present in plain English our recommendations/plan and explain why we believe it is most suitable and in your best interest.
• When agreed upon, we then carry out the recommendations, coordinating the process with you and other professionals as needed.

Phase IV: Monitoring and Adjusting

• We continuously monitor your account on a regular basis to ensure your goals are being met.
• We will report to you periodically via phone consultations and schedule a face to face review meeting every six months to make sure we are continuously fulfilling you’r initial objectives.
• Discuss changes in your life that might alter your objectives and goals
• We provide periodic rebalancing of your investment portfolio in accordance with your asset allocation.

What you can expect from us

• Continuous monitoring of your investments
• Regular meetings to review your progress and overall financial objectives
• Document management processes
• Complete transparency of all costs and fees
• An advocate for your best interests in every interaction
• Always looking for ways to minimize investment expenses and taxes
• Providing continuous education about financial issues and solutions
• Routinely review your financial situation and make adjustments as needed

What we do

• Financial Planning
• Investment Management
• Life Insurance
• Long-term Care Insurance
• Annuities