Financial Planning

See Your Dreams Come to Life

What do you picture in your future?

A comfortable retirement where money concerns don’t keep you up at night. Maybe it’s helping pay for college tuition for your children or grandchildren. Maybe you have philanthropic passion and want to support causes no matter your level of income. 

Uncovering your goals and helping you create a plan to reach them is our passion. And our financial planning process provides you with a firm foundation every step of the way. 

Our Financial Planning Process

Step 1: Create a foundation of security for today and tomorrow. This includes establishing an emergency fund, reviewing your life insurance needs, and helping ensure you have a will and power of attorney documents. 

Step 2: Define your goals, both short- and long-term. We’ll talk through how to save for the near future and for retirement, and how you’re most comfortable investing. 

Step 3: Develop the right plan. We believe investing is not a one-size-fits all, or even an “at this age, do this.” Your goals and future wishes will help define a plan for your finances and investing. We’ll partner with you to make sure you understand and are comfortable with any recommendations in the plan. 

Step 4: Manage investor behavior. Through our investment process, we seek to identify and reduce unhelpful behavioral biases that could affect your future. 

Step 5: Asset Allocation. Invest your assets in a broadly diversified portfolio. Rather than following personal biases or outdated practices, our firm develops asset allocations based on Harry Markowitz’s Nobel Prize-winning research. 

Step 6: Limit excess fees and extra costs. Your money is your future, and we will always act in a manner that we believe is beneficial to you, which means minimizing fees and transaction costs as much as possible. Costly products that don’t add value won’t be part of the plan. 

Step 7: The right investments. Through diversification, best practices in financial planning and investments, and making sure our clients aren’t wasting their hard-earned income on excess fees, we strive to help you see your future come to life. 

The key ingredient in this financial planning process is our focus on our clients. It’s not investing just to increase a dollar amount on a statement; rather, it’s a thoughtful process managing risk and investments to give you the best chance of reaching your financial goals. 

We’re guided by our clients: What you want, and how you want to get there. We partner with you to make sure you’re taking wise steps to realize your dreams.