Broker Check

Process

“In the long run [you] only hit what [you] aim at.”

-Henry David Thoreau

Our team’s many years of combined experience has taught us that any client’s very first meeting should focus on three key areas. We have built our ongoing process for clients around these three topics.

Educate

In order to formulate an effective financial plan for you, we need to learn about you, your goals, and even your dreams. You will help us by talking about what is most important to you and your family – now and in the future. We will ask questions like: “What did money mean to you growing up?” and, of couples, “What differences are there in your attitude about money?” We will want to know about income, expenses, cash flow, and debt before we even talk about investment accounts. Once we go through your goals and “base facts,” it is our job to educate you on potential strategies to work toward your long-term goals. We also lay out our firm’s fees; you should know what you are paying and be confident that you are getting the value that you deserve.

Plan

Your definition of what “wealth” means is unique to you. We want you to understand what is happening with your money along your journey toward your life’s goals – retirement, a second home, a family legacy, or charitable bequest. We use plain language to build your plan. The planning process will include an analysis of your income and expenses as well as your assets and liabilities. With the “base facts” in place and your goals taken into account, your team can show you how today’s financial decisions impact your future wealth.

Our experience has taught us that we can arrive at more comprehensive solutions for clients when we can collaborate with other professional advisers, such as your accountant and lawyer.

 Act

By educating and advising you about strategies to reach your goals in language you can understand, we will work with you to take action to strive toward your long-term goals. You will understand our investment management process and scheduled annual reviews are part of the process because of the impact these financial decisions have on your life. Additionally, your team provides transparent communication to help you stay on track.