Our process begins with a review of the client’s current financial situation. Prior to the initial meeting the client is asked to gather information on all existing assets and liabilities including employee benefit programs, retirement plans, all insurance policies, wills and trusts, tax returns and any other relevant financial information or documents. During the initial meeting, this information is reviewed in detail to ensure that planning objectives, investment risk tolerance and priorities are established.
Areas most often included in the process are investment and retirement planning, education funding strategies, income tax and risk management strategies and estate and survivorship needs. A strategy is then prepared to meet the established objectives and priorities. Individuals, regardless of income level or net worth, learn to make more informed decisions about their financial life. After the plan is implemented periodic reviews are conducted to make certain the plan keeps up with the client’s needs and objectives as they change, as well as changes in areas such as tax law, employee benefit programs and economic conditions.