Financial Planning

Our process adheres to the CFP® Board of Standards, Inc.* six-step protocol:


Our Comprehensive Suite of Services Include:

  • Statement of Current Financial Condition – Establishment of current and future financial goals with an assessment of overall current financial condition
  • Current Balance Sheet and Cash Flow Analysis – Review/analysis of all current sources of income and liabilities; assessment of positive/negative cash flow; surplus deployment strategies
  • Investment Review of Current Investment Accounts – Analysis of overall asset allocation as well as analysis of individual investment holdings; review of investment account structure, efficiencies and effectiveness; Investment advice on: Equities, Fixed Income Instruments, Mutual Funds, Exchange-traded and Index Funds, REITS, Unit Investment Trusts.
  • Retirement Income Planning – Consideration and analysis of all sources of income during retirement (aka “buckets”); guidance on proper retirement income needs funding; Social Security review/counsel
  • Stock Options Analysis (if applicable) – Incorporation of options planning into overall financial goals and strategies
  • Educational Planning – A review of educational funding resources and appropriate tools necessary to achieve and fund those financial needs
  • Business Succession Planning – including business valuation provided by Principal National Life
  • Post-Divorce Planning – Financial restructuring and guidance in coordination with divorce settlement decree/agreement
  • Risk Management Analysis – portfolio analysis of any life/disability/long-term care policies current in place or a review of needed risk management strategies
  • Estate Planning Review – Courtesy review of current estate plan and coordination of any desired/needed changes by the Client with legal counsel of said Client
  • “Stress Testing” of Asset Base – Analysis of the consequences of a disability, pre-mature death or longevity risk
  • Recommendations and Implementation Guidance – Coordination of the implementation with the Client of all Recommendations as agreed upon by both parties

Benefits of Utilizing a Formal Financial Planning Process Include: 

  • Client First approach
  • Process oriented, NOT product driven
  • Risk Management
    • Identify potential risks
    • Implement strategies to eliminate or neutralize the risks
  • Higher probability of success
  • Maximization of your control
  • Confidence in achieving your financial goals
*Certified Financial Planner Board of Standards, Inc. owns this certification mark in the U.S., which it awards to individuals who successfully complete the CFP® Board’s initial and ongoing certification requirements.