Broker Check

Financial Planning

Step: 1

Investments

We help you analyze your current financial situation, goals, and aspirations. Then we create a detailed financial summary to capture what we’ve learned through this process.

Risk

Through a series of questions and scenarios, we help you determine the level of risk that is acceptable within your portfo­lio. This process helps ensure that only appropriate investments are held in your account.

Planning

We review you current investments to ensure that you are fully aware of all your holdings. We review the financial plan to help ensure it is up to date and aligned with your current investment goals.

Step: 2

Investments

We apply sophisticated analytical tools to evaluate each client’s current portfolio strategy, looking at performance potential, risk level, asset class and style exposure, tax considerations, and other key variables.

Risk

We review all products that are sold through our office to determine how they will fit into client portfolios. Emphasis is placed on the level of risk involved to pursue desired performance.

Planning

We analyze your financial plan and work with you to help make sure that the investments currently in your portfolio will continue to work toward all of its stated goals and objectives.

Step: 3

Investments

We help you determine your current financial strategy to work toward key long-term goals, such as supporting a comfortable retirement, minimizing tax exposure, building the required level of savings, generating income, or protecting your long-term financial assets through insurance. If we find gaps, we recommend strategies to help pursue your objectives.

Risk

Once your risk tolerance has been determined, we make a thorough review of your current holdings to help ensure that all investments are appropriate for the stated investment goals and level of tolerance.

Planning

A thorough review of your plan is conducted to determine whether investments are being managed appropriately, enough money is being contributed to pursue your savings goals, and to account for any life changes that might have occurred since the last time your financial plan was reviewed

Step: 4

Investments

Building on your goals and preferences, existing holdings, and gaps in your current financial plan, we develop a cohesive, comprehensive financial plan. Your customized financial plan will outline broad objectives and provide a detailed summary of how your strategy will be implemented, listing specific products. With your approval, we begin implementing your plan, managing investment tax and transaction costs during the transition process.

Risk

If risk levels do not match your risk tolerance, we schedule a client meeting to make recommendations and adjustments to your portfolio. This helps ensure that your money is being appropriately managed.

Planning

We are here to help our clients learn prudent ways to save, budget, and plan their expenditures to help ensure that their financial plan continues to work towards their goals and objectives. If your financial plan has been sidetracked, we will meet to discuss the best way to get you back on track through effective account management.

Step: 5

Investments

Once your plan is in place, we continually monitor results, keeping you apprised of progress through regular face- to face meetings and phone calls. We also alert you if we believe any changes are warranted because of shifts in the market environment or unforeseen developments in your portfolio holdings.

Risk

Once the investments match your stated risk tolerance, we monitor your account regularly. Clients will be asked to update their level of risk tolerance on an annual basis or as needed because of life changes.

Planning

Clients are encouraged to meet with their advisor regularly to ensure that we are aware of any life changes that might affect their financial future.



"Financial Planning offered through LPL Financial, a Registered Investment Advisor"