Our planning process goes above and beyond asset allocation because your financial well being requires much more than just a well managed portfolio. We adopt a comprehensive approach that encompasses four domains of your financial life so that all the decisions you make are consistent with a coherent strategy that produces the outcome you desire.
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Typical financial service company
Transactional Product focused Piece meal planning |
Our approach: help solve problems by being
Consultative Process focused Comprehensive Coordinated and efficient |
Step #1 Financial Organization
Protection Domain
Assets Domain
Liabilities Domain
Cash flow Domain
Protection Domain
Assets Domain
Liabilities Domain
Cash flow Domain
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Personal financial website
Connect your financial institutions Financial Scorecard / Current Overviews Mobile device update with transactional records |
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Step #2 will focus on Protection and Cash Flow domain. We prioritize the way you spend money and inspect every element of your current protection plans including, auto, home, umbrella, health and disability insurance policies, and your legal documents such as Wills and Trusts.
Step #3 we focus on Assets and Liabilities. This is the meeting to talk about the allocation of your current portfolio, investigate how all your assets fit onto your balance sheet, examine your debt structure and explore ways to reduce tax liability while improve savings.
Step #4 we will discuss a detailed implementation schedule to complete all the identified action items as well defining the responsibilities on monitoring the financial plan over time. You will receive a formal, written financial plan that serves as the evidence for our work and a framework that guides you through the implementation process.
Instead of a pre-set number of meetings, we will only move on to the next step when all the current objectives are met. Additional meetings will be at no additional costs so as to accommodate all the relevant discussions. Delivery of your written financial plan concludes the initial planning process.
Twice a year you will be invited to the office for a financial update. This gives us the opportunity to continue modifying your plan according to changes in your personal and financial life. This way your plan will continue to remain relevant and meaningful.
Step #3 we focus on Assets and Liabilities. This is the meeting to talk about the allocation of your current portfolio, investigate how all your assets fit onto your balance sheet, examine your debt structure and explore ways to reduce tax liability while improve savings.
Step #4 we will discuss a detailed implementation schedule to complete all the identified action items as well defining the responsibilities on monitoring the financial plan over time. You will receive a formal, written financial plan that serves as the evidence for our work and a framework that guides you through the implementation process.
Instead of a pre-set number of meetings, we will only move on to the next step when all the current objectives are met. Additional meetings will be at no additional costs so as to accommodate all the relevant discussions. Delivery of your written financial plan concludes the initial planning process.
Twice a year you will be invited to the office for a financial update. This gives us the opportunity to continue modifying your plan according to changes in your personal and financial life. This way your plan will continue to remain relevant and meaningful.
Planning Fees
The fee for most personal planning is $2000. This is a one-time fee that includes
If you choose to implement your financial plan with any of the financial products available through our firm we may be compensated by the manufacturer with a commission.
Assets under management are subject to an annual fee based on the balance of the portfolio. This fee varies and will be fully disclosed prior to you opening the account.
- Lifetime subscription to your Living Balance Sheet personal financial website.
- Initial planning meetings
- Semi-annual reviews
- Unlimited access to my office for one year
- Your written financial plan.
If you choose to implement your financial plan with any of the financial products available through our firm we may be compensated by the manufacturer with a commission.
Assets under management are subject to an annual fee based on the balance of the portfolio. This fee varies and will be fully disclosed prior to you opening the account.
We believe that it is just as critical to maintain your financial plan as it is to create one. This is the reason we’ve decided to waive any annual review fee. We want to encourage you to stay connected with us so you’ll always have a partner in life when it comes to your finances.