How We Work

What does your path to financial success look like?

For nearly two decades, our team has helped countless families in living more financially intentional lives by better understanding their current lifestyles and long-term goals. And thus to execute your plan for the future, we take these three steps:

• Understanding You– Our team gathers information on your short-term, intermediate, and long-term needs, wants, and wishes.
• Developing Your Plan– After analyzing your data, our financial professionals engineer a comprehensive financial plan.
• Your Plan in Motion– After agreeing on an effective plan, our operations team executes your plan while also maintaining consistent communication with you so that you can focus on living.

Understanding Your Current Financial Situtation

Before we can begin developing your plan, we need to understand where your current financial situation and future goals. And so, we have two options you can choose from to provide us your information:

High-tech: Utilizing an online client portal, Account View, allows us to securely collaborate on your financial plan by integrating your real-time investment and bank accounts, mortgage, real estate, and other assets and liabilities all into one place. This will provide you with a balance sheet, cash flow analysis report, and an editable financial plan with Monte Carlo projection.  Using this tool with your trusted Advisor will allow you to make more accurate adjustments to life's curveballs and windfalls.

Low-tech: If you aren't as comfortable with using online platforms, you also have the option of filling out our traditional client intake forms. While effective, this option does require more updating on your part to deliver ongoing planning and advice.

In order for us to live up to our standards, we need either option completed, updated, and submitted before your appointment. 

Wish/Want/Need

On a piece of paper, draw a 3x3 grid. Label the three rows 'Wish,' 'Want,' and 'Need.'  Label the three columns 'Short-term,' 'Intermediate,' and 'Long-term.'  Now outside of your grid, write out all your financial desires.  List everything–retirement, remodeling your home, college savings–everything! If you are in a relationship, this process may help align your spending goals.

Now that you've listed all your financial goals, start placing each goal within your grid by prioritizing your desires and determining how crucial each one is. For example, paying off credit card debt may be a short-term need, whereas a Hawaiian vacation could be an intermediate wish. Keep in mind that your financial goals may move around this grid as your life changes. This is a flexible process, not a plan.

Developing Your Plan

Financial Plan Proposal

Once we have gathered all your relevant financial information, we will begin analyzing your data and developing a financial plan to accomplish your goals.  To do this, we use our proprietary GR⁴TCC^TM financial planning method to deliver effective and efficient comprehensive financial plans.

Using this data, strategic partners, a plethora of research, and your help, together we will build a portfolio to serve your plan.  

We believe that Value Investing is one of the safest ways for you to pursue your goals when your investments are properly balanced and diversified. We utilize outside management for other styles of investing such as: factor investing, speculation, newer technology adoption, options trading, and most of our foreign investing.

Review and Agree

After providing us with your pertinent financial information, we will have our first virtual or face-to-face meeting, during which we will discuss the broad strokes of your plan. At any point during this meeting, you may inform us that you will be working with us, and our team will begin executing the required paperwork as we develop your plan. Today we need an effective plan, we have a lifetime to make it as efficient as possible.

Your Plan in Motion

Our team will execute your paperwork, follow up on transfers, automate what we can, and provide relevant new information that may affect your plan. Once we have an effective plan, we will want to see you at least once a year to update and enhance your plan.

What is 'Living Intentionally'?

Now that we’ve agreed on a plan and a process, it’s time to start living it.  For most of our clients, living intentionally is a matter of sticking to your plan by prioritizing certain financial goals. For others, this may mean shifting spending behaviors; while purchasing one latte a day may not seem like much, at $5 each, that's about $1,825 in unplanned spending per year. 

Life Changes and Plan Adjustment 

If you have changes in your life that impact your goals,contact us to discuss adjustments to your plan.  

We are here to encourage, remind, and support you in your efforts to live intentionally.  To better assist you, we have many resources available on our site.  For informative articles, news, and financial updates follow us on Facebook or Linkedin.

All investing involves risk, including the possible loss of principal.  There is no assurance that any investment strategy will be successful.  A diversified portfolio does not guarantee a profit or protect against loss in a declining market.