How We Work
As fee-based financial planners, we are compensated for the time and expertise put into designing and creating your personal financial plan. Under this fee structure, we have a responsibility to ensure your interests and goals are always put first.
Of course, our role with clients goes beyond just providing expert guidance in the creation of your financial plan. When we work with you during a fee-based financial planning engagement, we follow the fiduciary standard which means we act in your best interest and put your interests ahead of ours. We also help you implement your plan through a combination of innovative investment and insurance solutions.
In the end, we are paid to work with you to make sure your financial needs are met with care, with expertise and with an understanding of your unique circumstances and individual goals. Together, we can agree on the appropriate fee structure based upon those needs and the specific services required.
Making great decisions about your wealth, whether you are deciding to grow it, protect it, or both, starts with sound thinking; thinking that makes sense. Here’s how our thinking starts when it comes to helping you make important financial decisions.
With financial independence, family legacy and social capital solutions in place, wealth optimization becomes the focus of the planning process. We use a unique and disciplined values-based approach to help you make wise choices and to help ensure that your plan is focusing on what you value.
We break the planning process into four quadrants or phases, each one representing one planning cycle: Discovery, Creative Solutions, Strategy Deployment, and Results Management.
- Discovery: Identify and think about the problem The first phase begins by thinking clearly about the problem. This is called the Discovery Phase and is where clarity is achieved around your goals and planning gaps are identified.
- Creative Solutions: Think about the solution The second phase is the Creative Solutions Phase where you think clearly about the solutions and make decisions regarding closing the planning gaps.
- Strategy Deployment: Implement the solution The third phase is the Strategy Deployment Phase where you implement the solution to help achieve your desired results.
- Results Management: Manage the results The final phase is the Results Management Phase where we establish a plan to manage and implement the results. This assures you have confidence your plan will work over time.
Working with a knowledgeable and experienced planner who has access to current technologies and a thorough understanding of tax rules and financial planning techniques is important. Working with an advisor who takes the time to understand your unique desires and goals is critical.
We will take the time to help you make that assessment, develop a plan that works for you, and provide you with the tools and strategies necessary to successfully implement that plan.