We use one or more meetings for each of these steps:

1. TAKE INVENTORY

We aggregate all your banking, credit and investment accounts, mortgages and loans, real estate, businesses, equity compensation and any other assets and liabilities you have into our financial planning platform to calculate your net worth in real-time.

2. EVALUATE THE NUMBERS

We next look at your spending and savings rate, cash available to you, how you invest and use debt and your tax burden. We want to identify ways to improve your financial efficiency.

3. EXPLORE GOALS AND OBJECTIVES

We may do some of this in steps 1 and 2 . . . you’ll share with us what is most important to you and for your family, your values and life goals and the financial objectives you’d like to achieve.

4. PLAN, IMPLEMENT AND REVIEW

Financial planning is an ongoing dynamic process that evolves with you and as your life and financial position change. One and done doesn’t really work in financial planning. After the initial plan is created, we can implement investment related advice and help you find other professionals in areas like insurance, accounting and law. Reviews of your plan are ongoing, and we’ll make recommendations as needed, or incorporate changes as we revisit steps 1-3.