Our Process

Our planning process begins with a custom action plan that is developed to address your needs.

Our process focuses on 5 key areas of current financial life:

The analysis identifies parts of your plan that are in good order versus those items that need to be addressed. A custom action plan is developed to address those needs.

1. Income Planning

2. Investment Planning

3. Tax Planning

4. Heatlhcare Planning

5. Legacy Planning

1. Income Planning
Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.

2. Investment Planning
Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.

3. Tax Planning
Any comprehensive retirement plan will include a strategy for decreasing tax liabilities.

4. Health Care Planning
We will create a plan to help you address rising healthcare costs with a minimum of expense.

5. Legacy Planning
It is important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner by working collaboratively with a qualified estate planning attorney.


Our process includes the following phases:

Phase 1: Discovery
We begin with our initial meeting where we get to know one another. The focus is on the 5 key areas and associated goals.

Phase 2: Planning
The primary objective of this phase is to complete an effective “Retirement DNA” – Dynamic Needs Analysis. It is a comprehensive plan covering the 5 key areas and identifying action plans for each of those areas.

Phase 3: Implementation
The objective of this phase is to successfully implement the action plan by means of constant communication and skilled staff. We strive to make the process quick and easy for you.

Phase 4: Monitoring and Adjusting
We monitor the status of the plans on a regular basis to ensure clients are still on track to meet their goals. If we discover a client’s circumstances have changed, or that issues require a different approach, we are quick to make adjustments.

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