We begin with an initial interview. 

It is during this time that you outline for the planner your concerns and goals. It is important that you indicate what your expectations are as a result of the financial planning process. The planner will outline the process, his experience and credentials, indicate the scope of the plan, and offer a pricing structure.

During the financial planning process, we focus on the following areas.

It is important to understand risk, exposure, and consequences. The planner will outline those areas recognized in the process as well as methods of eliminating or protecting the client interests.

In evaluating appropriate asset holdings, the planner will analyze amounts, risk tolerance, and time horizons to suggest an appropriate asset allocation model.

During process, the amounts and types of taxes being paid will be reviewed in great detail. Understanding both the source and the effects of taxation is critical to the development of the proper financial plan.

Though many clients do not plan for specific retirement goals, the process involves providing the options and the possibilities that can and will be achieved at various ages.

Every individual that dies has an estate. The distribution of that estate will be determined through either proper documentation prepared by the client, or in absence of such a document by a judge. The costs and taxation of an estate are carefully considered so that alternative methods of distribution may be utilized by the client.