Our Planning Process

Step 1: Understanding Your Goals

As our relationship begins, we meet with you, ask questions and listen carefully with the objective of fully understanding your goals. We seek to gain a clear sense of your ideal outcome and your acceptable outcome.

Step 2: Designing Your Plan

We use the information that you have shared with us to build your customized financial plan. Before presenting the plan, we use sophisticated software to test its resilience and effectiveness under a wide range of market scenarios.

Step 3: Asset Allocation

We then develop an ideal asset allocation—carefully balancing multiple types of investments to help you achieve your goals with the smallest possible degree of risk.

Step 4: Following Through

Periodically, we review and update your portfolio in a step we call “rebalancing.” Normal market movements change the value of various asset classes in a portfolio over time, and rebalancing restores your target asset allocation by selling appreciated securities and replacing them with less-appreciated securities. Over time, we help make sure that you remain on track to reach your goals, always keeping you well informed. And of course, we also make adjustments as needed, based on any changes that might arise in your situation or your objectives.