You get a financial planning advocate: someone that is on the same side of the table as you are.
I offer insight, direction, discipline, and support. I offer a thought-process and solutions that match their unique values and objectives. Financial planning is a social science and so I believe the thought-process to get to the answer is often more important than the answer itself.
I view this as a relationship business, not a transaction-based business. I seek to work with clients who are interested in long-term, authentic relationships that should grow stronger over time.
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Our relationship begins with a phone call. Let's make sure it makes sense to meet. I'm grateful for anyone's call. If during the call we think it's not worth meeting formally, I will still try to help you think about your next steps.
Assuming we should meet, we will schedule a get-together for a deep-dive discussion focused on you by...
Providing you a dedicated time and space for you to be heard without interruption or distractions.
Asking you meaningful questions. I listen and take copious notes.
Discovering some of your most deeply held values around money and life.
Connecting those values to some of your most important goals and objectives.
Taking a preliminary inventory of your resources, approximating where you stand today.
Whether we decide to work together or not, you should be able to leave the meeting with this picture.
By the end of the meeting we should have an idea of whether we want and should work together (both are needed). If so, I'll provide a proposal including an understanding of services, expectations and your commitment.
We are then ready to work together. We start building the plan in concert with your values, goals, and resources.
The plan takes some time to build. It is not boiler-plate. This is an involved process that may incorporate cash flow analysis, tax planning awareness, insurance analysis, financial independence planning (i.e. education & retirement), charitable planning, estate planning awareness, incorporation of small business and/or real estate holdings, and customized investment strategy design.
I build this plan for me as much as I build it for you so I can get to know you. "The plan" is not the only value; the process to build the plan and our relationship that grows is also of great value. Clients need to be deliberate. "The plan" is a result of successfully working together.
Together, we will then act on the plan you approve of, including coordinating and collaborating with your other advisors if necessary. Because I am not an insurance agent, tax advisor, or attorney, you will most likely need their services as well. I will coordinate that team, providing leadership and frank discussion so their agenda is the your agenda. If you do not have existing advisors or other subject-matter experts, I can offer to help you find one or refer you to qualified and competent professionals for any necessary insurance, legal or tax document preparation or advice.
When or if the need arises, in addition to coordinating the usual subject matter experts, I can often help in referring you to trust companies, money counselors, coaches, other fee-only advisors for your adult children/friends whom I may not be a match, along with other valuable consultants and resources.
We also offer ongoing investment management/advice, anchored on an evidence-based approach.
Ongoing, we course-correct "the plan" as life changes. The plan is always evolving because life happens and things change; I walk with you through this.
Throughout all of this I'm also here for you as a sounding board and someone outside of the family that knows what's going on. I'm here when an urgent or random question or need arises so that if something ever happens to you, you know at least someone outside of your family can support them in a time of need. I am also fortunate enough to be able to celebrate with you when long-term goals and objectives are also achieved.