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Our Approach – The Planning Process

We utilize a 4 phase process in developing long-term productive relationships with our Clients.

Phase 1 - Introduction & Initial Fact Finding (Values & Basic Facts) →

  • During this initial meeting we get to know one another. Our conversation will focus on gaining an understanding of your values, planning objectives, resources. →

    Evaluation: Are We a Fit? The most important criteria in the evaluation decision is Alignment of Values. Values are ultimately the foundation of everything we do. Values define our lives. Values are our unique purpose.

    The next criteria are your planning objectives – whether these objectives are reasonable and congruent with our core philosophy. The third criteria, the resources you have available – today or in the future – to direct towards the pursuit of your objectives.

    Preliminary Findings & Recommendations: Based upon the information shared during this meeting, we are usually able to emphasize critical factors as well as provide high-level preliminary recommendations.

    If our relationship progresses no further than this point, our objective is to have left you better off for having spent time with us. This might be in terms of having a better understanding of where you stand relative to your goals, perhaps a better understanding of a specific financial or product concept, or even a referral to another professional or resource to help meet your needs. We want you to leave this first meeting feeling it was time well spent.

    If there is a fit (and a need) we begin the next phase…

Phase 2 - Mutual Commitment, In-Depth Fact Finding & Plan Design →

  • Mutual Commitment: We will confirm mutual commitment to move forward and schedule a follow-up meeting to complete the data gathering process. →

    In-Depth Fact Finding: We will gather additional detailed information to supplement the information shared during prior conversations.

    Client Homework: Usually access to investment and retirement plan statements, employee or government benefit information, insurance policies, tax returns and estate planning documents will be needed.

    Research & Plan Development: We develop the Plan based upon the objectives and priorities identified thru our conversations and the Fact Finding Process, we will develop a plan design to address your goals. This may include research of current holdings and planning documents.

    Present Plan Recommendations: We will present the Plan recommendations, explain the basis for those recommendations and answer any questions you may have. The Plan may be adjusted based upon your feedback prior to implementation.

Phase 3 - Implementation →

  • During Implementation, we transform the plan into reality. In this phase we reposition assets into the appropriate accounts; assets classes and investments. Depending upon the complexity of your specific situation and objective(s), we may recommend the involvement of a complimentary professional(s).

    For our web-friendly Clients, we activate their personalized WealthVision Home Page. Please refer to the WealthVision video and take a look at Life in a box

Phase 4 – Monitor & Modify →

  • Monitoring & Adjust: Once implemented, the Plan is monitored and adjusted periodically as necessary to keep allocations within objective.

    Reporting & Review: On a mutually agreed upon schedule, we will meet to report on your account(s) and answer any questions you may have.

    Re-Evaluate & Re-Assess: Significant life events or significant deviations from Plan assumptions are reasons to re-evaluate your Plan and assess appropriate modifications to the Plan. Minor deviations from Plan assumptions are to be expected and are not usually reason to re-evaluate the Plan.

    Confidentiality: The information necessary to properly evaluate your situation and to prepare a Plan requires candid and open communication. This information will be treated as confidential.

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There is no assurance that the planning process discussed will be suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.