Client Relationship Summary
SEC ADV 2A
SEC ADV 2B
1. Let's Get to Know Each Other
First, we want to define your goals. We’ll ask a lot of questions and do even more listening to fully understand your needs and life goals.
2. Organize Financial Data
Next, we’ll identify and provide the appropriate strategies and tools to help you pursue your goals. Relevant information includes risk tolerance, time frame, goals, current savings, current risk management, family dynamics, experience with financial planners, children and their ages, and hobbies.
Providing detailed information allows us to help you with organization, bringing order to your financial life and helping you prioritize and follow through on financial commitments.
3. Evaluate Financial Status
Once we have the necessary data in front of us, we’ll assesses your current situation and determine what steps must be taken to move forward with a financial plan. Depending on your needs, this assessment could include analyzing assets, liabilities, current cash flow, future cash flow, insurance coverages, tax strategies, and investment allocations. (
Asset Allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.)
4. Time to See Your Possibilities
Once goals and resources have been defined and analyzed, you will have a clearer picture as to whether your plan will take you where you want to go. Perhaps you need to increase your savings rate per month, adjust your asset allocation, or take another course of action. Whatever is chosen, we’ll educate you along the way, making recommendations as needed.
goal is to help you thoroughly understand your plan and the risks involved.
5. Monitor and Continually Adjust
Lastly, we’ll monitor and continually adjust the plan. A financial plan will evolve over time and change according to life events. Marriages, divorces, career changes, children, tax law changes, inflation, stock market fluctuations, recessions and more all require newer perspectives on how to help manage your finances in keeping with your goals.
Always looking forward and planning ahead.
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