Our Process

STEP 1

Discover and Implement

Step 1

Explore and identify your money vision

We help you build a framework for your financial decisions.

Learn about your background and history with money
Ask questions to help identify your core values
Collaboratively point toward your initial goals
Use your core values to inform results and tools

Prioritize and automate your cash flow

We help you understand your cash flow and how it is used to achieve your money vision.

Establish current income streams
Review current spending
Analyze current debt
Review cash reserves and liquidity
Optimize banking structure
Automate cash flows

Create and execute your investment strategy

We help you invest your cash flow to ensure its alignment with your money vision.

Provide investment education
Determine your risk preference
Establish investment strategy for three different time horizons
Construct portfolio
Adjust asset allocation
Monitor market conditions and investment performance

STEP 2

Expand and Adapt

Step 2

Create your long-term money vision projections

Provide a thumbnail sketch of how your financial future looks. Help you focus on the decisions and variables that will affect your ability to achieve your money vision.

Utilize financial planning software
Input your estimated expenses and income sources both current and future
Identify key sensitivities in your financial plan
Input particular “what if” scenarios to identify potential outcomes and their assumptions

Lean into your money vision tax efficiency strategies

Save on taxes and get ahead of the game.

Engage software that reviews prior year tax returns
Recommend tax efficiency strategies
Facilitate communication with your CPA
Refer to CPA when appropriate

Optimize the value of your employee benefits

Employee benefits are a critical part of your savings toward your long-term money vision.

Set strategy for employer-sponsored retirement plans
Create allocations and/or manage your 401k’s, 403b’s, etc.
Analyze Health Savings Accounts, Dependent Care Flexible Spending Accounts, etc.
Review health, disability, and life insurance policies
Discuss employee benefit goals with business owners

STEP 3

Thrive and Enjoy

Step 3

Create your on-going money vision income stream

Replace your employer checks with a reliable and sustainable income stream.

Determine your possible income gap
Understand the factors influencing your income stream
Define the different platforms used for creating an income stream
Model the differing outcomes of potential income streams over the long term

Optimize your Social Security benefits

Consider Social Security benefits as an “asset” and act accordingly.

Understand the fundamentals of your Social Security benefits
Use up-to-date software to determine your benefit amount-not all calculators are created equal
Model different claiming strategies and their impact on your long-term income projections
Understand the tax implications associated with your benefits

Ensure you have the proper insurance + legacy planning strategies

We help provide you confidence that your family is protected in case anything ever happened to you.

Review your need for life and disability insurance
Evaluate your permanent and long-term care policies
Educate you about legacy planning and /or review your current legacy strategy