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Our Process

analyze cash flow and current make up of assets & liabilities that make up your net worth

assess your financial position in the event of your pre-mature death, disability, or need for long-term care

design an appropriate investment plan in seeking to help minimize risk and maximize return

seek to ensure the availability of adequate retirement income over your lifetime

identify and utilize tax-conscious investment strategies appropriate for your financial situation

assess your plan to pass on your assets, estate tax liability, and inheritance taxes


A disciplined, five-step approach

  1. Understand your goals and priorities: getting to know you personally, professionally, and financially is the first step in our process. We will discuss your past experiences, interests, values, goals, questions, and concerns. Once we have a solid understanding of what is important to you, we can proceed to the next step.
  2. Gather financial data: we will gather information about your current financial position; including your assets, liabilities, income, savings, insurance, taxes, estate planning, and anything else you think may be important for our analysis.
  3. Design a plan: we will compare what you say is important to you with what you currently have in place, and identify strengths as well as opportunities in your current financial position. Our job is not to make decisions for you, rather to lay out and discuss options available to you. We will work collaboratively with you to create a customized plan to help you pursue your goals. Through an comprehensive financial planning tool we utilize, we can subject your plan to thousands of hypothetical market and economic scenarios so you have the confidence to know the probability of achieving success in different market situations.
  4. Implement your plan and investment allocation: once we have agreed to your plan, we will help you adopt and execute it. Whether it is preparing paperwork, or advising you on how your existing retirement plan should be allocated, we are here to help you take the action needed to pursue your goals.
  5. Monitor and evaluate progress: throughout our relationship, we will proactively communicate with you to assess our progress. This ongoing evaluation will ensure that we are keeping up with changes in your life, as well as changes in the markets and economy. We monitor portfolio performance, checking to ensure that your assets continue to be properly positioned in anticipation of market movements. We periodically review your financial situation and goals, and rebalance your portfolio as needed.


We invite you to experience a truly personalized approach to wealth management. Contact Us for a confidential and complimentary second opinion.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs. IMPORTANT: The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Individual results will vary. Investing is subject to risk which may involve loss of principal. No strategy assures success or protects against loss.