Our Planning Process
Our Planning Process
Shortcutting the process will lead to transactional planning. Truly integrated planning is where all of your tools work together to move you efficiently & safely toward your planning goals.
How much are you losing to inefficient/uncoordinated planning?
Let’s explore how integrated planning can work for you.
01
Understand the Needs, Situation, & Family Dynamics
Every family is unique. That’s why we begin by getting to know yours. We listen carefully to understand your current financial position, your values, and the relationships that shape your decisions. Whether you’re a small business owner, a federal employee, or planning for multiple generations, we aim to fully grasp your world before making any recommendations.
02
Define the Lifestyle You Want
Retirement isn’t just a number—it’s a lifestyle. We take time to explore what your ideal future looks like. Where do you want to live? What do you want to do? What will bring you joy and peace of mind? These insights allow us to create a plan that reflects the life you truly want to live.
03
Clarify Your Timeframe
Your goals may be long-term or right around the corner. Understanding your time horizon—whether it’s five years or twenty—helps us design strategies that are both realistic and flexible. The right timing can make all the difference in minimizing risk and maximizing opportunity.
04
Gather & Analyze Data, Identify Threats
Next, we gather the key financial data that drives smart decisions. We assess assets, liabilities, income sources, tax exposure, and more. This is where we identify potential threats—such as unnecessary taxes, market volatility, or inefficient structures—that could erode your retirement savings or delay your goals.
05
Propose Tailored Solutions
With a clear understanding of your situation, lifestyle, and risks, we begin designing your custom financial strategy. We present solutions that are practical, integrated, and easy to understand—so you can make informed decisions with confidence.
06
Implement the Plan
We don’t just hand you a binder of recommendations and wish you luck. We walk with you through every step of the implementation process—whether it’s setting up retirement accounts, adjusting your portfolio, restructuring your estate plan, or updating insurance coverage. Implementation can happen all at once or in carefully planned stages based on your comfort and timeline.
07
Review & Adjust as Life Changes
Life isn’t static—and your plan shouldn’t be either. We schedule regular check-ins to make sure your strategy continues to serve your goals. When circumstances change, we help you adapt, adjust, and stay on track—so your financial plan grows with you, not away from you.
