Our Process The Proven Success of our Core Planning Process: The CFP® Process Gather the Facts Analyze the Information Make Recommendations 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 CircumstancesIdentifying and Selecting GoalsAnalyzing your Current Course of Action and Potential Alternative Course(s) of ActionDeveloping the Financial Planning Recommendation(s)Presenting the PlanImplementing the PlanMonitoring Progress and Updating Pre-Client Process: The Financial Action ChecklisT (FACT) FACT 1: Introduction Step 1: Introductory Phone Call Step 2: In Office (or virtual) Visit Review financial information and documents provided before the meetingMeet with each other in-person or virtually to see if we are a good fitDecide whether or not to set the FACT 2 meeting FACT 2: Presentation During our Meeting: Present the Financial Action Checklist with actionable steps for you to enhance your financial lifeAfter 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 FACT 3: Implementation After you Sleep on it: Work with Pendleton to help you implement the action steps from the Financial Action ChecklistBegin the Gold Medal Services (GMS) Client Experience Client Service Experience: Gold Medal Services (GMS) GMS 1 Full Year Planning MeetingReview your investments and ensure they are aligning to your long-term goalsPlan for post-year tax strategies, whether individual or corporatePlan for the year aheadReview Tax Return draft as prepared by your outside CPAReview anything else important to you GMS 2 Mid-Year Planning MeetingReview your investments and ensure they are aligning to your long-term goalsReview beneficiariesReview estate planning documentsReview insurance policies and risk managementReview anything else important to you GMS 3 Year-End Planning MeetingReview your investments and ensure they are aligning to your long-term goalsPlan for year-end tax optimizationIRA RMDsReview Tax ProjectionsTax Loss HarvestingReview anything else important to you GMS ASAP Whenever you want to meet, we will be here for you ASAPIf it is important to you it is important to usWe will schedule a time to meet ASAP, or at least schedule a quick call to discussMajor 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 needsYear-long, continual monitoring of your investmentsQuarterly, 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 youIndependent AdviceRecommendations regarding positioning of investments within your employer provided retirement plans such as 401(k)sQuarterly 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 strategiesAnnual review of your tax situation and planning to incorporate any new tax law changesComplimentary consultation with your tax preparerRecommendations of tax solutions including tax advantaged investmentsStaying current on and presenting new tax laws that can affect your situation Retirement Income & Distribution Planning Analysis of your current and future income needsContinual development and implementation of recommendations to fund your income needs to optimize your lifestyleRecommendations regarding the most appropriate distribution strategy for your employer retirement plans and IRAsAnalysis of the beneficiaries of your IRAs Family Wealth Planning Analysis of your current estate planReview of strategies to efficiently transfer wealth to your loved onesComplimentary consultation with your attorneyAssistance in transferring assets to your Living Trust or other trustsProviding 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 strategiesQuarterly, semi-annual or annual reviewsSpecial reports on how to help reduce your taxes and other important topicsSpecial Gold Medal Service Events, including client appreciation events (where you may bring up to 2 guests) Have a Question? Name Email Address Phone Question Thank you! Oops!