WE GET TOGETHER AND DECIDE WHAT TO WORK ON
Erica sits down with our planning clients to decide how we will work together, how much it will cost and what each of us will need to do to make an effective plan happen. She will also discuss your planning needs: which areas of planning you require help with, and in what order we need to pursue them. Planning areas include asset management, tax, retirement, insurance, estate, cash flow, and debt management.
WE GET ALL OF YOUR INFORMATION TOGETHER
Erica interviews you and gathers financial information in order to decide on goals, priorities, and timelines. This includes a full financial history interview as well as gathering all necessary financial documents such as mortgage, annuity and investment statements, as well as Social Security income projections.
ERICA CRUNCHES THE NUMBERS AND WRITES THE PLAN
This part of the planning process takes a little bit of time and some help from our financial planning and risk analysis software (links). Often the first step of our analysis is to put together a cash flow and net worth statement and then work from there to create financial models.
WE GET BACK TOGETHER AND DISCUSS HOW TO TURN THE PLAN INTO REALITY
We believe the most essential part of the planning process is determining action items that you will be able and willing to implement. That means when we sit down to discuss our recommendations, we check with you to make sure you agree with our advice and are on board with doing the work to make them happen. If not, we look for other ways to implement financial changes. Once we are agreed, Erica tracks the action items and checks in at least quarterly to ensure that you are successfully implementing them.
WE TRACK ACTION ITEMS AND LIFE CHANGES
For most of our planning clients, Erica reviews your financial plan when you come in for your quarterly investment meeting. If you are not an investment client, or if you don’t meet with us quarterly, we will make other arrangements to ensure the plan is reviewed on an ongoing basis until the engagement is complete.
Your planning needs
are unlike anyone else’s.
That’s why we make sure you have flexible options for working with us.
We work with our clients in a various ways, from soup-to-nuts engagements to single meetings to ensure your allocations are right.
Comprehensive
Financial Plans
If you have a base, we’ve got it covered. From college planning for your little ones to retirement planning for yourselves, we examine every part of your financial picture: insurance needs, investments, cash flow (present and future), tax planning, and estate planning. We also look at things you might not have even thought about like strategic, tax-friendly Roth conversions.
Just-Right-For-You
Financial Planning
You need financial planning, sure, but maybe you don’t need ALL the financial planning. Feel free to pick one or more of our modules: cash flow and debt management, retirement planning, estate planning, allocation selections, a tax check up, insurance planning, large purchase or home purchase planning and we’ll get you squared away.
Investment Analysis & Allocation
Recommendations
Maybe you have a 401k you direct on your own or already have an advisor and just want a second opinion. In either case, you’ve come to the right place.
Regular Financial
Check-ups
You don’t get your teeth cleaned just the once, and the same goes for your financial plan. Once we’ve created a financial plan, we will review your progress and adjust it regularly as things change.