Having money and knowing how to manage your financial life are two different things. Financial planning isn’t taught in many schools, yet nothing has more impact on the quality of life for you and your family.

The most effective client-advisor relationship is that of an informed partnership. The more you know, the greater your control over your financial future, and the more we can help you help yourself. We communicate in plain language to increase your understanding and make you aware of the options available. We help you see where you are, help you decide where you want to go, and show you how to get there.

Where are you now?
The process begins with listening. We use questionnaires and interviews to get to know you. Once the interview process is complete, we mutually decide how to proceed…what is to be included in the plan, how detailed reporting is to be, and how much it might cost. If we both decide to proceed, we’ll request very specific information from you. The appropriateness of our recommendations will depend on the quality of your information.

Where do you want to go?
You tell us where you think you are and where you want to go. We’ll help sort through and prioritize goals and objectives to bring your financial life into focus.

How will you get there?
This might be very complex and detailed or very simple with global recommendations. You tell us and we’ll deliver it to you the way you want it. But for sure: it will be in writing and communicated in language you understand; it will be our objective advice with only you in mind; and we’ll educate you along the way.

Are we there yet?
If not implemented, your plan is only an expense and has little value. We are happy to work with you and your other advisors to implement recommendations and monitor your progress. Together we define how this is best accomplished.