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 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 1: Introduction

Step 1: Introductory Phone Call

Step 2: In Office (or virtual) Visit

Review financial information and documents provided before the meeting

Meet with each other in-person or virtually to see if we are a good fit

Decide 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 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

FACT 3: Implementation

After you Sleep on it: Work with Pendleton to help you implement the action steps from the Financial Action Checklist

Begin the Gold Medal Services (GMS) Client Experience

Client Service Experience: Gold Medal Services (GMS)

GMS 1

Full Year Planning Meeting

Review your investments and ensure they are aligning to your long-term goals

Plan for post-year tax strategies, whether individual or corporate

Plan for the year ahead

Review Tax Return draft as prepared by your outside CPA

Review anything else important to you

GMS 2

Mid-Year Planning Meeting

Review your investments and ensure they are aligning to your long-term goals

Review beneficiaries

Review estate planning documents

Review insurance policies and risk management

Review anything else important to you

GMS 3

Year-End Planning Meeting

Review your investments and ensure they are aligning to your long-term goals

Plan for year-end tax optimization

IRA RMDs

Review Tax Projections

Tax Loss Harvesting

Review anything else important to you

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)

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