Our Process
We take our clients through a financial planning process that aims to:
1. Get Organized
We use an interactive web-based tool, The Living Balance Sheet®, to help clients get financially organized.
2. Provide Education
We seek to provide education to clients around ALL facets of their financial life using our team and outside experts (when necessary).
3. Induce Action
Information and education without action is worthless. In many areas of our lives, (e.g. fitness, nutrition, etc.) we have the knowledge to make the best decisions, but fail to execute. Our team provides coaching and accountability to help make sure clients follow through with the appropriate actions in order to reach their goals.
Design a Road Map
- "If you don't know where you are going, you might wind up someplace else." - Yogi Berra
- We need to know where you want to go in order to help you get there. We understand that detours will occur along the journey. We will be alongside of you every step of the way.
Throughout the process, we will address the following areas in the proper order:
- Risk Management - Our futures are not guaranteed. There are several significant financial threats that we must address from the beginning. We must ensure that one bad call doesn't devastate your financial future.
- Cash Flow - Either you manage your cash flow, or it manages you. Which will it be? We teach clients how to implement a cash flow system that allows them to save more money than they ever thought was possible.
- Savings - How much money should be saved for long-term wealth building on an annual basis?
- Wealth Building - To what assets should we allocate the savings toward? How should we balance these assets in the context of taxes, liquidity, and risk?
- Wealth Distribution - How will you ultimately utilize your assets to provide income for you, your family, and your legacy?