Whether you are just getting started with a savings plan or you are well on your
way to financial independence, we can provide assistance every step of the way.
Our guidance is based on careful research, in person interviews, data collection,
analysis, and specific investment solutions. We are a non-discretionary firm so
every decision must be approved by the client before a trade is placed. The steps
to providing a comprehensive review of your financial situation may include:
Goals and objectives
We will discuss your specific goals and determine the objectives necessary to reach
those goals. Are you saving for retirement, college educations, a new home, all
of the above? These all need to be factored into the financial plan.
Review of current financial situation
We will review all of your current assets and liabilities to assess financial
needs. We will also discuss current cash flow needs as well as future needs as
things may change over time. A comprehensive review of your investments will be
provided.
Risk tolerance and investment time horizon
A key aspect to overall financial success is your tolerance for risk and the
amount of time the money can be invested. Each individual will have a different
risk tolerance and investment time horizon and these are a key part of developing
the customized financial plan.
Plan development
Upon reviewing the current financial situation, determining future needs, and
assessing risk tolerance and investment time horizon, we will put together a
comprehensive financial plan for your review. We will develop strategies designed
to meet your specific financial goals. It is our belief that the proper asset
allocation (the balance of stocks, bonds, and cash in your portfolio) is the most
important factor in determining your financial success. Based on your input and
the information provided to us, we will develop an asset allocation model
specifically for you.
Recommendations and Implementation
Once the financial plan is complete, we will meet with you to review our
recommendations and investment solutions. If the recommendations are taken, a
timeline for implementation and follow-up will be set.
