No financial plan can succeed if there is not a basic understanding of how much income a given client has in relation to their spending. Therefore, this planning category is the perfect starting point in our planning process.
Debt is incredibly important to review and understand in our planning process. Our experience has shown that when an investor overlooks the impact debt can have on their financial plan, desired results become difficult to realize. So, it is vitally important that we spend time in understanding each client’s total debt picture.
Planning for the unexpected can be challenging, but it is a critical step in the planning process. While no two situations are the same, many of the unexpected events in our clients’ lives are similar. Using that experience, we are able to help our clients identify the most common situations that will prevent their plan from working and take steps to manage those risks.
As independent advisors, we enjoy the freedom of not having to sell proprietary investment products to our clients or battle the conflicting interests of sales quotas. Instead, we are able to recommend to our clients what we feel is in their best interest, because we work for our clients, not a larger employer.
In a world of ever-changing economic, political, and monetary environments, it is of great value to our clients to know that we have maximum flexibility
There are many details about our clients’ financial plans that make each plan unique; perhaps none more so than legacy planning. Accumulating wealth and managing personal finance are paramount to the success of a financial plan, but what kind of legacy is created by leveraging years of financial prudence transcends dollars and cents. We recognize the importance of legacy, and we help lead that conversation with our clients to make sure we have not overlooked what is most important to them in life.
We listen to our clients because we genuinely care. Our clients are also our friends.
No sales goals, no pre-determined product menu. We work for our clients, not a corporation.
Our company's commitment to our clients is to be good stewards of our time, talent, and treasure. We believe that we cannot just encourage clients to exhibit stewardship with their financial plan; we must exemplify stewardship in our business.