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Our Process

Why Choose a
CERTIFIED FINANCIAL PLANNER™ Professional?

Most people think all financial planners are “certified,” but this isn’t true. Just about anyone can use the title “financial planner.” Only those who have fulfilled CFP Board's rigorous requirements can call themselves a CFP® professional.

CFP® professionals are held to strict ethical standards. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.

Financial planning is a dynamic process. Your financial goals may evolve over the years due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you’re working with someone committed to providing the high standard of financial planning.

What a CERTIFIED FINANCIAL PLANNER™
Professional Can Do for You

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Source: www.letsmakeaplan.org. © 2022 Certified Financial Planner Board of Standards, Inc. All Rights Reserved. Reprinted with Permission.

1. Assess Needs and Goals

First, we want to define your goals. We’ll ask a lot of questions and do even more listening to fully understand your needs and life goals.

2. Organize Financial Data

Next, we’ll identify and provide the appropriate strategies and tools to help you reach your goals. Relevant information includes risk tolerance, time frame, goals, current savings, current risk management, family dynamics, experience with financial planners, children and their ages, and hobbies.
Providing detailed information allows us to help you with organization, bringing order to your financial life and helping you prioritize and follow through on financial commitments.

3. Evaluate Financial Status

Once we have the necessary data in front of us, we’ll assess your current situation and determine what steps must be taken to move forward with a financial plan. Depending on your needs, this assessment could include analyzing assets, liabilities, current cash flow, future cash flow, insurance coverages, tax strategies, and investment allocations. (Asset Allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.)

4. Develop Proactive Plan

Once goals and resources have been defined and analyzed, you will have a clearer picture as to whether your plan will take you where you want to go. Perhaps you need to increase your savings rate per month, adjust your asset allocation, or take another course of action. Whatever is chosen, we’ll educate you along the way, making recommendations as needed. Our goal is to help you thoroughly understand your plan and the risks involved.

5. Monitor and Continually Adjust

Lastly, we’ll monitor and continually adjust the plan. A financial plan will evolve over time and change according to life events. Marriages, divorces, career changes, children, tax law changes, inflation, stock market fluctuations, recessions and more all require newer perspectives on how to help manage your finances in keeping with your goals.