Every client is different, so our process takes on the shape of your many needs and goals. Our financial planning process often entails the following:

   Review and documentation of financial position, including assets, liabilities, and cash flow.

   Identification and prioritization of goals.

   Run through short- and long-term cash flow optimization given 'What If' scenarios.

   Identification and quantification of tax implications and impact of market volatility, inflation, healthcare, premature death or disability on future success.

   Investment Planning - Independent asset review including allocation of resources and tax reduction strategies.

   Protection Planning - Analyze need for life, disability, long-term healthcare and liability insurance.

   Retirement Planning - Develop strategies for asset accumulation and distribution, social security and other income planning.

   Estate Planning - Identify updates needed to key documents, including wills, trusts, beneficiary changes and charitable planning.

   Goals-based strategies and recommendations in all six areas of planning.

   Ongoing financial management and oversight.