How we work with you

A woman and a man sitting with a professional at a table talking
We start with where you are now

To help you develop a financial plan, we must understand where you are right now. In addition to learning about your unique financial needs and aspirations, we’ll review what you've accomplished so far and then assess any risks that might hinder you from working toward your goals. 


We listen 

We start with a complimentary discussion where we use a process called FORM. Through this process, we get to know you and your goals so we can come up with the best strategies and an action plan for you.  


 

We strategize  

Everyone's financial needs are different. Once we learn what is important to you, we'll put together a personalized financial plan with solutions to help you work toward your dreams. We’ll also help you answer questions like: 

  • What if I live too long and run out of money? 
  • What if I become disabled and can’t work?  
  • What if the market crashes? 
  • How do I reach my future financial needs but minimize risk?  
  • How do I help my children or grandchildren pay for college? 
  • How do I prepare for retirement? 
  • When is the best time to start my social security? 
  • We can I retire? 
  • How much money do I need in retirement?  
  • What do I do with a 401(k) if I no longer work at the company? 
  • Do I need life insurance? 
  • What is the difference in permanent life and term life insurance? 
  • When do I need to take my required minimum distribution (RMD)? 


We take action 

We are dedicated to working in your best interest and strive to be transparent, thoughtful and conscientious as we put strategies in place. In addition, we encourage you to continue asking questions and providing input throughout the process.  


Once your plan is in place, we will continuously monitor and tweak it as needed. We look forward to continuing our relationship and providing you with guidance as you navigate life’s highs and lows.