Our Philosophy and Process

We are dedicated to developing lasting relationships with all of our clients. We believe in helping you assess your financial goals and participate in the management of your finances.

One of the benefits of working with us is our ability to provide clear, easily understood explanations of financial products and services. The personalized program that we can provide is a roadmap to working toward a more secure financial future.

Our initial meeting provides the foundation for our relationship. We feel it is very important to take the time to get to know a prospective client. We do not offer to provide services until we have assessed the situation and are certain that we can provide a solution that will satisfy not only a clients expectations but help them achieve their goals.

In the planning process, it is very important for a client to understand the phase of life they are currently functioning in. We have identified three phases of life relative to the wealth management
process. Those are the Accumulation Phase, Distribution Phase and Wealth Transfer Phase. Understanding these phases and which one a client falls into is often overlooked in the planning process. Many advisors provide the same planning solutions to all clients regardless of their phase of life. We feel advice should be focused on what is important to the client and the phase they are in rather than a generic solution that is offered to all clients.

Basic summary of Phases

Accumulation Phase - Typically these are the working years. Clients in this Phase tend to be focusing on their careers and generating income. Taking advantage of tax savings and deferral strategies are important in this Phase. Protection of income streams and against unforeseen events are vital to surviving this Phase. Generally speaking this Phase applies to those roughly between the ages of 25 and 55.

Distribution Phase - Typically these are the years immediately following the working years. Clients in this Phase tend to be focusing on how they will replace their earnings and are beginning retirement. While taking advantage of tax savings and deferral strategies are important, this Phase brings the fears of running out of money or losing significant value of a clients life savings into the picture. Solutions including generating guaranteed income streams and safeguards against market declines become the focus. Insurance needs in this Phase are often times much different than in the Accumulation Phase. Generally speaking this Phase applies to those age 55 and older.

Wealth Transfer Phase - Typically this Phase relates to the desire that clients have to maximize the transfer of their hard earned assets to their familes, charities and future generations, rather than to the government. Leverage with insurance products and estate planning are solutions to assist clients in achieving these types of goals. Their are many types of solutions to accomplish these needs such as income shifting, asset re-positioning, stretch IRA concepts and last to die insurance policies. Generally speaking this Phase applies to those age 65 and older.

In summary, we conduct enrollment, discovery, implementation and review meetings with our top clients. This is a detailed process that allows us develop a relationship, understand their needs and goals, provide solutions and monitor the implementation of those solutions. Clients are provided with a roadmap or plan that can be used to monitor their progress in achieving their goals. This roadmap assists them in making various life decisions by reminding them of their goals. We are by their side and our process provides them with peace of mind. 

We’re looking forward to using our expertise to help you pursue your financial goals.