Our Planning Philosophy

Remarkable Events in History - Which Could Not Have Succeeded Without a Plan


Everyone Needs a Plan

Everyone Needs a Plan


With so many different things in life having a possible impact on our financial well being, we believe that financial planning is a necessity for anyone who wants to get the most out of life and make the best use of the finite amount of resources that will be available to them throughout their life.
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<![endif]-->A successful financial planning process rests on two underlying principles.

A Successful Financial Planning Process Rests on Two Underlying Principles

Financial planning should be completely objective with no hidden agendas.  It should never be a “loss leader” designed to sell products or gather assets to manage.

It should not be a one-time event, but a life-long process that regularly tracks progress and makes adjustments in response to changes in one’s life situations.

Why we charge a Separate Planning Fee...

There is No Such Thing As a "Free Lunch"


Why we charge a Separate Planning Fee

It is our aim to minimize potential conflicts of interest by allowing us to offer objective advice without the need to sell a product to compensate us for our time.

All too often financial advisors offer “planning for free” where the objective of the advisor as well as the “plan” is solely to persuade you to invest with them or purchase something like insurance.  Some of these plans may, in fact, be good and even objective. However, many may not.

For the reasons listed above we charge a separate fee for both initial and ongoing planning. It is our belief that charging a separate planning fee equips us with the ability to remain completely objective in our analysis and recommendations regardless of what you do after the planning process or with whom you do it.  

This is especially important for clients who have a need and desire for planning, but do not have investible assets yet or own other assets such as real estate.  In both of these cases, the benefits of serious planning are significant and far reaching.



Key Benefits to an Advisor Planning Relationship

Collaboration

We work hand in hand to develop a plan together that works for you.

Experience

Years of experience have prepared us to guide you through your life transitions.

Accountability

Our update meetings help keep you on track and accountable for obtaining your goals.

Custom Action Plan

We help you develop a plan of action to assist you in reaching your goals.

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