Our Process
The Proven Success of our Core Planning Process: The CFP® Process
Every good strategy begins with a structured plan. We use the proven CFP® CERTIFIED FINANCIAL PLANNER™ process as outlined below. This process guides us in building and monitoring your plan:
- Understanding your Personal and Financial Circumstances
- Identifying and Selecting Goals
- Analyzing your Current Course of Action and Potential Alternative Course(s) of Action
- Developing the Financial Planning Recommendation(s)
- Presenting the Plan
- Implementing the Plan
- Monitoring Progress and Updating
Pre-Client Process: The Financial Action ChecklisT (FACT)
FACT 2: Presentation
During our Meeting: Present the Financial Action Checklist with actionable steps for you to enhance your financial life
After our Meeting: Sleep on it. We ask you wait at least a day after our meeting to decide whether or not to move forward to FACT 3 to implement the action steps in the Financial Action Checklist
Client Service Experience: Gold Medal Services (GMS)
GMS ASAP
Whenever you want to meet, we will be here for you ASAP
If it is important to you it is important to us
We will schedule a time to meet ASAP, or at least schedule a quick call to discuss
Major life events (for example Retirement, Death, Marriage, Divorce, Children, Grandchildren, College, Disaster, etc)
Gold Medal Services

Investment Oversight Service
- Reviewing your investments and designing a personalized portfolio appropriate to your needs
- Year-long, continual monitoring of your investments
- Quarterly, semi-annual or annual meetings to review and evaluate your investment performance,
update your overall financial objectives and if necessary, reallocate your portfolio as agreed upon by you - Independent Advice
- Recommendations regarding positioning of investments within your employer provided retirement plans
such as 401(k)s - Quarterly economic report detailing updated analysis and a current view of the investment markets

Tax Reduction Planning
- Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies
- Annual review of your tax situation and planning to incorporate any new tax law changes
- Complimentary consultation with your tax preparer
- Recommendations of tax solutions including tax advantaged investments
- Staying current on and presenting new tax laws that can affect your situation

Retirement Income & Distribution Planning
- Analysis of your current and future income needs
- Continual development and implementation of recommendations to fund your income needs to optimize your lifestyle
- Recommendations regarding the most appropriate distribution strategy for your employer retirement plans and IRAs
- Analysis of the beneficiaries of your IRAs

Family Wealth Planning
- Analysis of your current estate plan
- Review of strategies to efficiently transfer wealth to your loved ones
- Complimentary consultation with your attorney
- Assistance in transferring assets to your Living Trust or other trusts
- Providing guidance with the appropriate and necessary steps in the event of the death of a loved one

Client Services & Communications
- Quarterly Newsletter to keep you apprised of the most current planning strategies
- Quarterly, semi-annual or annual reviews
- Special reports on how to help reduce your taxes and other important topics
- Special Gold Medal Service Events, including client appreciation events (where you may bring up to 2 guests)