It Starts with You.
Our process begins with getting to know you and your goals. Tell us where you want to go, and we'll work with you to develop a plan that suits your needs. And as your life changes, we'll adjust your plan so it better aligns with your new path.
We believe a detailed planning process can be one of the most effective ways to create financial security. An effective plan may not only provide financial security throughout your life, it can reduce the damage disability, critical illness, or other sudden losses of income may have.
So what are the steps?
Step 1: Discovery & Commitment
Our process begins with an Introduction Meeting, where we take the time to understand your financial goals, investment experience, and overall financial picture. During this conversation, we’ll also share our Quality of Life Planning approach—our philosophy on aligning your money with the life you want—and explain how our business model is designed to serve your best interests.
Once you decide to move forward, we’ll formalize our partnership by sending you the necessary paperwork and a checklist of documents to begin the planning process. Your information is securely uploaded into our system and reviewed by our financial planning team, led by your Lead Advisor, who will work closely with you to develop and implement your personalized financial plan.
Step 2: Presentation of the Quality of Life Planning
Utilizing the information gathered, your team will present a fully customized “Quality of Life Planning Model ” which will outline steps to be taken to help you pursue your stated goals and objectives. Specific investment recommendations and action steps will be provided for your review and consideration. All paperwork needed to affect your customized plan will be provided at the meeting.
Step 3: Tax Optimization Review
As part of our comprehensive financial planning process, we identify tax-saving opportunities and optimize your strategy using Tax Analyzer. This tool uncovers potential tax-smart opportunities and presents them through clear data visualizations, allowing us to walk through proposed tax filing changes and evaluate their impact on federal income taxes, tax brackets, and capital gains. In real-time, we review and adjust key line items to maximize deductions, exemptions, and credits. Once finalized, we seamlessly integrate these strategies into your overall financial plan to help minimize tax liabilities and maximize savings.
Step 4: Review of Risk Management Findings
We will review with you any risks identified in the Quality of Life Planning and offer guidance and suggestions as to how you can transfer risks identified. Some risks (life health risks) cannot be transferred, but instead must be assumed
Step 5: Estate Planning & Legacy Coordination
In this final step, we ensure your financial plan extends to your legacy. Together, we’ll review any existing estate planning documents and identify areas that may need to be updated or created. Through our partnership with Wealth.com, you’ll have access to a secure digital platform to organize, design, and manage your estate plan—all in one place.
If new or revised documents are needed, our team will guide you through the design process to ensure your estate plan accurately reflects your wishes and maximizes available credits, deductions, and exemptions. We’ll draft a summary letter for your attorney outlining your key decisions and request a project quote to help avoid hourly legal fees.
Once your documents are finalized, a member of our Service Team will assist with execution, asset titling, and beneficiary updates so that every detail of your estate plan aligns with your overall financial strategy.
