How We Work

In our initial meeting, we will start by listening.  

You’ll see this often in our approach – in order to help you, we need to understand your specific situation – there are no good cookie cutters when it comes to building an effective financial future.

We need to know what you like and don’t like about your current plan, what you think a good financial planner is all about, how you make decisions, and in what form (charts, spreadsheets, text) you’d like to see our recommendations.

Next, we will have a fun, interactive discussion where we will show our approach to financial planning. We’ll cover an assessment of your readiness for retirement, show the common areas of wealth transfers, discuss the important concept of opportunity costs, and share both the rules and the winning strategies in working with the financial institutions.

What we won’t do in our first meeting is discuss any particular investment, financial product, or specific recommendation. There is plenty of time for that after we make sure we find all your hidden wealth transfers.

The next steps

After first meeting, you will do a little homework and fill us in on your key financial details.  Then, at our second meeting, we’ll share our findings of the areas where you can save more by avoiding wealth transfers. We’ll cover each area in detail and show you the lost dollars as well as the hidden impact of the opportunity costs.

Then, we’ll discuss investment options. We’ll cover your current investment strategies and talk about alternatives that you may not have considered. We’ll demonstrate the pros and cons of different investment approaches via an interactive model that covers all of the family’s assets and liabilities.

We’ll also discuss your insurance protection strategy. There is little sense in saving, investing wisely, and then risking your assets with too little insurance or the wrong kind.

We’ll bring it all together in a complete, comprehensive financial and investment plan.