Some people need very little help with financial planning. They either have a good handle on their circumstances or have a relatively simple financial situation. In these cases we look for anything that may have been missed. Others may need a more complex plan. Perhaps there is no clear strategy for retirement or perhaps they have gone through a divorce and need to rework their financial life. Either way, we have a 44 point checklist we use to evaluate their situation. We then provide a detailed list of recommendations with an implementation strategy for each one.
We believe that your investments are the most important part of your financial plan because your wealth is what will allow you to accomplish different financial goals. You can have a great estate or retirement plan but what good are these if your portfolio has been destroyed by improper or ineffective management? We look to evaluate not just your personal accounts (brokerage, IRA, trust, etc) but also make sure we look at your company retirement plan and any other situation where the value of your wealth is dependent on market movements. All the disciplines of our Personal Investment Management Model are applied to your financial plan.
Your plan will focus on 5 major areas: personal finance, retirement planning, portfolio management, risk management (insurance) and estate planning. We also consider tax issues pertaining to each of these 5 areas and incorporate them into the plan.