Services

We describe our work as “Financial Life Planning”, to express the idea that the financial planning that we do encompasses so many areas of your financial life. The process that we use, therefore, is not a one-off, one-time meeting, but an on-going series of discussions and work that occurs typically over many years. That process is not a linear one, as we move in and out of these discussions, responding to changing situations in your life, but generally encompasses these phases:

Get Acquainted

This is where we often meet for the first time, a meeting we sometimes refer to as a “first date” where we get to know one another a little bit. We want to hear about your current circumstances and what you are thinking in regard to your financial life needs. It also gives you a chance to learn more about how we work, and what we can and cannot offer. What is important is that all of us need to leave that initial meeting with a mutual understanding that yes, we want to move forward, or not yet, or that we are not a good fit for each other at this time.

Exploration & Discovery

Specific questions & overview of your circumstances
Your needs, goals and dreams, including relationships that are most important to you
Financial situation, overview of assets & debts, tax picture
Investments: Personalized risk tolerance and investment objectives, identifying the types of accounts you already possess and what may best serve your needs.

Analyze

Analyze the information you have provided, including previous tax returns, and the cumulative information on your accounts, needs, goals and plans.

Build a Plan

Together, we create a personalized roadmap with specific recommendations to help you achieve your goals.

Implement

Put the plan into practice:

Establish investment accounts
Transfer assets as needed
Re-invest within the parameters that you have set during our work together
Begin building and defining long term goals and current financial plans
Recommendations and referrals for estate planning, insurance, etc.
On-board process for tax return if needed

Review & Update as Needed

Review and update annually or as circumstances change
Tax planning, preparation and consultation as needed
Identify and address new goals consistent with life changes
Charitable giving strategies & plans as requested

* Fees for each service offered are described in our Form ADV Part 2A and Form CRS

On-going Consultation & Service

We are available to consult with you on a variety of issues or questions that arise during the course of your life, as new situations arise.