Our Process

How do I make the right financial decisions?

A Better Approach to Financial Planning

You may be trying to figure out how to pay back student loans, fund your 401(k), or buy a home.

Maybe you’re unsure how to build wealth while educating your children and starting a business.

Perhaps you’re struggling with preserving your wealth while caring for aging parents, dealing with boomerang kids, and evaluating an early retirement offer.

Whatever your current situation, worrying about finances impacts your life and relationships.  We can help you make the financial decisions that will make the most of what you have now and help you build a more secure, enjoyable future.

Fee-Only, Holistic Advice for Better Financial Decisions and Fewer Worries

Holistic financial planning is a process, not an event.  It focuses on your goals, integrates all areas of your financial life, recognizes how your beliefs and attitudes impact the financial decisions you make, and makes adjustments as your circumstances change.

Ask Big Questions

What are your big questions?  Our Financial Review focuses on your most important financial questions.  For some clients the Financial Review is all you need.  For others, this is the first step of our comprehensive Retainer services.
The Financial Review is:
  • One Meeting
  • Two Hours
  • Three Questions
  • $950

Strengthen Core

Rather than develop and present a “book”, we focus on one area of your finances at a time.  This enhances your knowledge and confidence, turns recommendations into action, and ensures success.
We review and develop recommendations for:
  • Investment & retirement accounts
  • Income taxes and tax preparation
  • Spending/Cash flow
  • Insurance and employee benefits
  • Estate plans
These core elements should first be strengthened and properly integrated so you can realize your goals.   

Future Focus

Most people are too busy with the present to visualize their future.  We help you change that by starting with your basic goals, and adding the detail that makes the goal uniquely yours.  Whether retirement, saving for college, changing careers, extensive travel, or significant charitable giving - the better you “see” your future the greater the likelihood you will live it.

Take Action

With the core elements of your finances strengthened and integrated, and your goals well-developed, we now design strategies and steps to put you on a firm success track.  We focus on your goals.  So while we strive to optimize your portfolio return for a given level of risk, we believe the real risk is falling short of your cherished goals.
We develop and implement strategies, including:
  • Savings and debt reduction
  • Tax efficient investing
  • Low cost investing
  • Investment management
  • Retirement distribution and cash flow

Yearly Renewal

Every year brings changes – in your goals, your portfolio, tax law, life circumstances.  So each year we renew your plan, make adjustments to your portfolio, develop tax planning strategies, and ensure your financial core remains strong.  We closely monitor your plan in view of your goals, and recommend ways to exploit opportunities uncovered by change.

As fee-only financial advisors, we sell no products and receive no commissions.  Instead, you pay us an annual retainer that covers all our meetings and full access to us at no additional charge whenever you have questions or your circumstances change.  Knowing in advance exactly how much you are paying for advice and understanding that your advisor puts your interests first brings peace of mind.

Contact us to schedule a no-cost, no-obligation initial consultation to learn more about how we can help you make the financial decisions that lead to financial independence.