Our Process

Is your retirement plan on track?

We provide you with a complimentary, customized plan that takes into consideration your complete portfolio as well as your unique financial goals. We'll talk with you about how you envision your retirement years and help get you there. Your plan isn't just a bunch of confusing charts and graphs, but a tailored, easy-to-understand report that maps out, step-by-step, the path towards your financial objectives.

Step 1 – Discovery
Getting to know you and your goals.

How do you envision your retirement? We start by analyzing your current financial situation including your current assets, income sources, liabilities, monthly expenses and savings. We will discuss how much risk you are comfortable with and where that fits into your needs and goals. What is the bottom line? If the result isn't what you had hoped for, you might need to adjust your plan.

Step 2 – Analysis
Help you examine and direct your plan.

Any investments you have are examined to determine your current risk and return rates. We believe it's important that your portfolio matches your risk tolerance. Using advanced testing tools, we run scenarios of what could happen to your portfolio if you continue on your current investment and financial savings path. These tests include forecasting scenarios so you can see what market fluctuations and other factors may have on your future accounts.

Step 3 – Solution
Presentation of a retirement strategy.

Your financial plan should be as unique as you are. The objective of this stage is to agree on an effective, long-term retirement strategy that is custom tailored to your individual needs and goals. In this appointment, we will reveal the strategies and explain the rationale behind our recommendations.

Step 4 – Implementation
Monitor your portfolio and make changes.

It is during this crucial step that you will make the important decision to work with us to help achieve your financial goals. Once you’ve decided to take this step, we'll identify any needed adjustments to your investment allocation and determine what strategies are needed in order to help reach your goals and benchmarks, with a minimum in risk and cost.


After your plan is implemented, we don't stop there. We'll continue to monitor and meet with you to review your financial plan and portfolio on a periodic basis to ensure your customized plan still fits with your goals. It's not a "set it and forget it" approach, because we understand that just like life, your goals can change over time.

Is retirement on your horizon?

We offer a complimentary, no-obligation assessment of your lifestyle, goals and needs for retirement.