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Our Process

Step 1: Establish Your Goals and Define our Relationship

Introducing ourselves and our company while explaining our financial planning process is our first step in building our long-term relationship. We may ask a multitude of questions to uncover anything and everything from immediate financial goals to feelings about risk and to dreams and plans for retirement. Our purpose of establishing the goal or relationship is to form the foundation or purpose of planning itself--to begin the financial journey with the clarification of a financial destination. We establish the guiding philosophy to direct investment objectives, cash management, insurance needs, and other financial instruments to help achieve your goals.

Step 2: Gather the Relevant Data

During this step, pertinent information required to make recommendations for the appropriate strategies and financial products to reach your goals is gathered. We will establish time horizon for reaching goals, risk tolerance to market volatility, current and future income needs, legacy planning, health insurance, and life insurance needs.

Step 3: Analyze the Data

Analysis of the relevant information gathered will allow us to derive prudent financial advice that fits your current and future life goals.

Step 4: Develop the Plan

We will develop your financial plan together. Financial planning requires devising alternative solutions that are achievable for everyone. With so many different variables to consider, your plan needs to develop, to evolve with your needs but remain within your capabilities and risk tolerance. In this step of the financial planning process, you develop an action plan. This requires choosing ways to achieve your goals. As you achieve your immediate or short-term goals, the goals next in priority will come into focus.

Step 5: Implement the Plan

Now we simply put your plan to work!

Step 6: Monitor the Plan

Financial planning is a dynamic process that does not end when you act. We will regularly assess your financial decisions. Changing personal, social, and economic factors may require more frequent assessments. When life events affect your financial needs, this financial planning process will provide a vehicle for adapting to those changes. Regularly reviewing this decision- making process will help you make priority adjustments that will bring your financial goals and activities in line with your current life situation.