Our Services / Goal-Based Planning

Financial Planning should always be focused on the goals that one is looking to achieve.  The financial planning process includes:


1.  Establishing our respective roles in our relationship.

2.  Gathering all pertinent data, and determine your financial goals, needs, and priorities.

3.  Analyzing all pertinent financial information to fully understand your current situation and available options.

4.  Developing and agreeing to a plan or course of action, after fully reviewing and considering the various options available in your situation.

5.  Implementing the decisions we have mutually agreed upon.

6.  Monitoring the plan that has been put in place, making any necessary changes and reviewing progress towards goals periodically, if appropriate. 


“If you fail to plan, you are planning to fail.” - Benjamin Franklin


Financial planning is a process, not ink in a book.


 A financial plan is often presented as a product, such as a three-ring binder, usually an inch or more thick with text, graphs, and charts. While there may be interesting and useful information in such a book, care should be taken on two fronts. First, a financial plan is an on-going process, not a static document. Second, projections about accumulation results, investment earnings, and the impact of inflation need to be seen as rough guides only. There can be no accuracy to such projections because the assumptions supporting the projections change the minute the document is printed.

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