A smarter approach to planning your future, reaching your goals and protecting your most valuable resources
Our clients are partners. Together we share a single goal of reaching your financial dreams today and in retirement. Working together in the spirit of mutual trust, respect, and understanding are essential to this long-term partnership. We think our planning approach shows our unwavering commitment to helping you reach your dreams.
Before implementing your plan and watching it take flight, our process focuses on the relationship and ensures it is a good fit for both of us. We follow a dynamic planning approach when meeting someone for the first time. We call it the 3P Approach© and it adheres to the Certified Financial Planner™ practice standards. The 3P part means that together we Plan your financial future, help you Prosper, and ensure we Protect what you worked hard to build.
From defining the relationship, to stepping into your shoes and developing your plan, every journey begins with a well-designed roadmap. Our proprietary process relies on a partnership philosophy and follows a series of six steps which guide us both through creating your unique plan. In our first meeting we use the opportunity to learn about each other prior to entering into a partnership.
Subsequent meetings expand upon our planning approach, as we explore your personal financial profile in depth, examine which of our 7 Pillars of Financial Success apply to your current situation, and ensure you are comfortable with our process all along the way. Our financial advisors work with your other advisors to form a trusted team that works cohesively. Together, we implement an investment and tax reduction strategy based upon your goals. Our planning approach is flexible and designed so that you never outgrow a stagnant plan, rather, the plan continues to evolve as your life unfolds.
As each target is met, we help protect your portfolio from potential hazards. With you as CEO, we work as your personal CFO to ensure you stay on track by helping you manage your fears and natural responses to them. It is in these activities that you begin to see the importance of our 3P Approach©.
This process was developed and refined through years of experience and has resulted in long-term clients, generational planning, and helping our clients retire when they want to, or get to a “work-optional” lifestyle. Here’s a closer look at the six steps it takes to get started:
“Our goals can only be reached through a vehicle of a plan in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” Pablo Picasso
We work for a select clientele who are driven to reach their goals, and who value advice and are fun to work with. In our first visit, we take a mutual evaluation, to determine if and how our services will best fit your needs and objectives.
During this no-cost consultation no decisions will be made. We don’t ask you to bring your financial documents with you. Instead, we spend the time discussing your situation and our services, to ensure your financial profile fits what we do best.
In this meeting or the next, we will quote a fee, based upon the anticipated time and complexity of your financial situation. We believe that knowing the total cost up front allows us both the freedom to work through the planning process. It also allows clients to contact and meet with us without the pressure of unanticipated fees.
“Everyone has a plan until they get punched in the mouth.” Mike Tyson
We only take on a handful of clients each year, so it is really important to us that we both see a long-term relationship forming. As part of our unique 3P Approach©, we take time to assess all that we have learned about each other during the first discovery meeting. We carefully consider your situation to determine if there is a good fit with our philosophy and approach. At the same time, you carefully consider if we can offer you the services and advice you are looking for. During the “fit call”, we reconnect and decide if we have a fit.
“Like any good tree that one would hope to grow, we must set our roots deep into the ground so that what is real will prosper.” Billy Corgan
Our goal during this crucial fact-finding period is to step into your financial shoes so we can begin to understand your thought processes. During a second meeting, we discuss your goals, views, attitudes, concerns and current financial situation, which become the basis for a financial model.
An important aspect of discovery is understanding behavioral management, which will play a huge role in the likelihood of reaching your goals. Also in this meeting, we review the engagement proposal, which outlines the work we will do together over the next 12-months.
“The power of intuitive understanding will protect you until the end of your days.” Lao Tzu
In this step, we provide a detailed analysis of your situation, trying on a multitude of ideas and modeling “what-if’s” to determine the best path to reach your desired outcome. Working with some of the brightest minds in the planning industry, we will do an exhaustive search to find the solutions that make the most sense for you.
During our third meeting, we present a plan unique to your situation which outlines the logical progression of objectives, observations and recommendations. With you the CEO, and us acting as your CFO, we dissect the pros and cons of each strategy through an economic model to help you understand their impact, so you are able to make an informed decision.
“The conventional view serves to protect us from the painful job of thinking.” John Kenneth Galbraith
At this stage, the team aspect of the planning process is fully realized as we work with your other advisors and continually act as a key to the marketplace on your behalf.
As Accredited Investment Fiduciaries (AIF®) we will act in your best interests, never led by commissions. Whether through evaluating various investment options and products, coordinating tax and estate strategies, or evaluating specific financial products, we help ensure they are right for each of your plan strategies.
“Like a precious family heirloom, freedom is not just ours to enjoy, but to treasure, protect, and pass on to future generations.” Lao Tzu
Because the planning process is ever changing and evolving, as your financial planners we provide you with on-going review of where our efforts have brought us, and what needs to be done in the coming year. This is where you will watch your plan evolve with you, as your life unfolds.