Financial Planning

There’s no mystery to financial planning.  It simply requires taking an in-depth look at your personal and financial goals and evaluating various alternatives to achieve them.  Once you choose the most appropriate alternatives, you can follow the steps and recommendations to help get from where you are today…to where you want to be tomorrow.


There are Six Steps to the Financial Planning Process:


Step 1: No Obligation Discovery Interview:  At this meeting, I will listen to your financial concerns and discuss what financial planning can do to help you achieve your financial objectives.

Step 2: Gather Information:  If you decide to contract my financial planning services, we move on to the next and most important step: data gathering.  This is where I get an indepth understanding of all of your financial goals, objectives, assets, liabilities, income, expenses and other relevant information.

Step 3: Analysis and Development:  A preliminary analysis of the information about you is prepared and a first draft of the plan is presented.  This includes reviewing all of your objectives and determining if they are feasible.

Step 4: Plan Presentation and Delivery:  After all of the information and alternatives are analyzed, a final draft plan is presented to you.  The final plan is a customized detailed document prepared especially for you by our team.  It contains specific recommendations designed to help you meet your financial goals and objectives.

Step 5: Implementation*:  As your Financial Planner, I will explain how you can act on the specific recommendations in your financial plan by following a customized Action Plan.

Step 6: Monitor and Update as Needed:  In life, one thing is constant: change. Each year, and perhaps more frequently, your income, investments, assumptions, and objectives will change.  This is why I stand ready to monitor and update your plan as needed.


* Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.