Retire with confidence
Our Planning Process
Money is personal. We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.
Our three-step planning process works by first identifying suitable financial strategies and then implementing those strategies. This allows us to meet our clients’ needs, therefore achieving their retirement goals and objectives.
01. Start Smart
Getting a clear understanding of an your financial life.
Starting smart begins by getting a clear understanding of your current financial situation and how you would like it to progress to help meet your future lifestyle goals and objectives. During this process, we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) analysis.
Our six fundamental financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate your sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on your assets today and in the future.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.
This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.
02. Apply Discipline
A holistic investment plan for growing and protecting wealth.
Our discipline is built on the foundation of holistic planning and how investment and insurance solutions can work in concert to help mitigate six fundamental financial planning considerations within a desired risk tolerance so our clients have the confidence to handle market cycles.
This includes evaluating and incorporating strategies for working to:
Holistic planning can help investors:
Remain Committed to the Strategy
Be confident in and committed to the investment plan with risk-tolerance based investment strategies.
Optimize Total Return Potential
Deploy customized investment and tax strategies for growing and shielding assets.
Protect and Preserve Investable Assets
Address six financial planning considerations to help prepare for various financial outcomes.
Investment Process
We want to exceed our clients’ expectations and provide transparency into our process so that they can remain confident throughout our partnership. After gathering information about our prospective client’s financial life, we utilize a multi-step process for analyzing, structuring, and implementing a holistic plan that is personalized to their financial goals and objectives.
ONE
DiscoverGather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.
TWO
AnalyzeTHREE
PlanFOUR
ImplementFIVE
MonitorProactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.
03. Communicate Progress
We A.C.T. on your behalf.
Accessible
We aim to be available to our clients and work to answer questions and address concerns as promptly as possible.
Consistent
We jointly determine communication preferences and frequency and provide critical market updates throughout the year.
Transparent
Our clients have access to a secured online portal that will allow them to view their financial landscape in one location on any online device.
