A smarter approach to planning your future, reaching your financial goals, and protecting your most valuable resources.
Our clients are our partners. Together we share a single goal of helping you be financially free today and in the future. This life-long partnership is essential to working together in the spirit of mutual trust, respect, and understanding. Our planning approach shows our unwavering commitment to helping you reach your dreams.
This is the framework of how we support you in your growth and progress in your financial life.
We’ll start with understanding what your goals are, your earning potential, and your financial circumstances are today. Your goals may be:
Once we have a clear idea of where you’re at financially and where you want to go, we’ll analyze your current financial situation.
What you should expect to receive out of this includes an analysis of:
This initial step’s goal is to ensure you’re getting the most “juice for the squeeze” out of your financial life and typically requires at least 1-3 meetings where we’ll likely have you complete a questionnaire, we’ll review the questionnaire, and present you the initial steps of your financial plan.
Because you work in tech, there are a few things, in particular, we include that most financial planners don’t.
This typically includes walking you through the dashboard, our budgeting software, and explaining to you your financial planning calendar which will serve as your guide to financial freedom. We’ll communicate periodically to ensure your success in implementing it and to verify if you’d like support at any step of the way.
As a result, you’ll have a clear idea whether you’re earning as much as you should, are saving and spending prudently, and in doing so, giving yourself the best shot at affording your future you can.
In subsequent meetings, we’ll expand and go even deeper into your personal finances, how you’ve progressed and how things have changed since our initial meeting. Typically at this step, we’ll get your tax professional, attorneys, insurance agents, and other advisors to ensure that your financial life is managed prudently and in harmony.
As each milestone in your financial life is met, we help protect your portfolio and your progress towards your goals from being hurt by any obstacles or challenges along the way. As your personal CFO, our job is to ensure the profitable management of your finances and help counsel you through concerns and your natural responses to them.
Our Planning Process for Tech Employees was developed and refined through years of experience. An important aspect of our planning process is that it adheres to the Certified Financial Planner™ practice standards. It has resulted in long-term clients, generational planning, and helping our clients retire when they want to – or get to a “work-optional” lifestyle.
Take a closer look at the six steps:
Step One: Discovery
Schedule an introductory call to discuss and explore your financial needs
We work with a select clientele who are driven to reach their goals, who value advice and are fun to work with. In our first visit, we make a mutual evaluation, to determine if and how our services will best fit your needs and objectives. During our initial consultation, there was no advice given. Its purpose is mainly to ensure your financial markets can be solved by what we do best.
In this meeting or the next, we’ll quote a fee, based on the anticipated time and complexity of your financial situation. If you’d like a rough idea of what our fees may look like, click here for insight. We believe that knowing the total cost upfront allows us both the freedom to work through the planning process. It also allows clients to contact and meet with us without the pressure of unanticipated fees.
Step Two: Fit Call
Discuss whether there is a good fit and whether we feel comfortable moving forward
We only take on a handful of clients each year so it is important to us that we both see a long-term relationship forming.
At the same time, you carefully consider if we can offer you the services and advice you are looking for. During the “fit call”, we reconnect and decide if there is a fit to move forward.
Step Three: Fact Finding
Begin gathering info using a variety of tools and software
Our goal during this crucial fact-finding period is to step into your financial shoes so we can begin to understand your thought processes. During the second meeting, we discuss your goals, views, attitudes, concerns, and current financial situation. This becomes the foundation of your financial model. We believe that without a strong foundation, any house is bound to crumble. The same applies to your financial future.
An important aspect of discovery is understanding your financial behaviors. This insight will help you control innate behavioral mechanisms and biases which play a large role in the likelihood of reaching your goals. Also in this meeting, we review the engagement proposal, which outlines the work we will do together over the next 12-months and beyond.
Step Four: Development
Create your customized financial plan based on your needs
Working with some of the brightest minds in the financial planning industry, we’ll do an exhaustive search to find the solutions that make the most sense for you. In this step, we provide a detailed analysis of your situation as well as the options you have to reach your financial goals in addition to a specific recommendation on which option we believe best suits you and your financial goals.
Step Five: Implementation
After running through a variety of scenarios we implement your personalized plan
At this stage, the team aspect of the planning process is truly embraced as we’ll start collaborating with your tax professional to ensure that the filing and management of your tax burden are managed optimally and in synchrony.
As Fee-Only CERTIFIED FINANCIAL PLANNERS™, we will always act in your best interest – never led by commissions. Whether through evaluating various investment options and products, coordinating tax reduction and estate planning strategies, or evaluating specific financial products, we help ensure they are right for each of your plan strategies.
Step Six: Monitoring
Routinely review our efforts and make adjustments as your life unfolds
Because the financial planning process changes all the time due to changes in regulation, products, goals, health, and family, your financial plan will have to change and evolve. We won’t make changes every year; only when it matters.
Your financial future is impossible to tell. You could have a perfect, inexpensive future and win the lottery so everything is affordable but more likely than not, you will probably have some obstacles throughout your life that you may need help overcoming.
Our process is set up to serve you whether you have a perfect future, a normal one, or a tragic one so your financial plan can help you pivot as your life changes. We’ll meet up at least twice a year to discuss your budget, your health, your plans, and your goals to make sure that you’re on track to afford each step of the way as tax-efficiently and simply as possible.
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