Confidence in your financial future depends on the decisions you make now. Your attitudes about money and risk are paramount in formulating your plan. What is aggressive for one person will be conservative for another. There are numerous tools available to individuals who wish to set aside income for use in the future. I will strive to determine what combination of investments is right for you.

Data Gathering. This is the step where the goal is identified. Are we working toward a enjoyable retirement? College planning for a child or grandchild? Leaving a legacy for your children or grandchildren? Working to get out of debt? Save for a house - or a second house? What income/assets and liabilities do we have to work with? What are your attitudes about money and risk? If there is one, are you and your spouse in agreement about money and goals?

The Plan. This step involves formulating the plan. It will certainly involve a commitment from you to set goals to save (or spend) within the plan. Investments alone will rarely allow a client to reach their goals - whether that goal is saving for retirement or making your retirement last. Here we also look the solutions available to help meet your unique needs. This may involve equities, real estate, or insurance products.


Present the Plan. It is not enough for the advisor to put forth a plan. I never want to hear a client say "Well if you think this is right we'll do it" I want my clients to understand what we are doing and why. If not the client will not be committed to the plan when the inevitable bad market appears and there will be panic and doubt.

Implement the Plan. The investments are purchased and the saving/spending plan is put into place. 

Monitor the Plan. Reaching a financial goal is usually a long term/life long commitment. It needs to be reviewed in light of changing personal circumstances or changing economic climate. Your plan will be reviewed on a regular basis.