Financial planning is one of the most important services that successful people use to create an extraordinary business career and personal life. We believe in the value of comprehensive financial planning, which requires the integration of the following key areas of your financial Life.

  • Net Worth & Cash Flow Analysis
  • Risk Management (Insurance Planning)
  • Tax Planning and Management (improving your wealth-building efficiency)
  • Retirement Planning (Financial Independence)
  • Estate Planning (with an assessment of the need for an updated will, trusts and advice
  • on helping you transfer your lifetime assets to your heirs and/or to worthy causes)
  • Investment Planning
  • Educational Fund Planning (if applicable)



The Financial Planning Process

Step 1

Start with a complimentary meeting, where there is a mutual process of getting to know each other in order to determine whether our services would be of benefit to you and your family.

Step 2

Mutually identifying your personal goals, objectives, and aspirations, so that we can better understand how your primary assets–your time and your finances–can be organized to achieve these goals.

Our first planning session is typically spent compiling your current assets, taking an inventory of insurance coverages, as well as wills and any estate documents. At this time we also review your monthly income and expenses, as well as your tax returns. We learn about your past investment experiences and attempt to evaluate your tolerance for investment volatility and risk. Meanwhile, if there are any short-term or specific goals that you wish to achieve, we will provide you with guidance or assistance at this time.

Step 3

A preliminary financial analysis with proposals and initial recommendations. This includes an evaluation of whether the goals articulated on the goals list are achievable within a reasonable time frame.

At this point, we will make recommendations on all your investment holdings with suggestions for change, if appropriate.

Step 4

After receiving feedback from you, we revisit the financial planning analyses and proposals, adjust recommendations where appropriate, complete asset transfers, implement investment recommendations, and begin to take action on any estate planning and insurance issues that are addressed in the plan.

Step 5

Continuously monitoring the progress toward your goals to see what, if anything, needs to be adjusted to your financial plan for the upcoming year.

The end result is a financial plan that is specific to your needs and addresses both tangible and intangible goals. It strikes a balance between the financial choices you make that consume capital, and the value-based goals you wish to achieve that are intangible in nature but have everything to do with creating a satisfying life. In situations where a specialist (attorney, tax or insurance professional) is appropriate, we will provide referral options and offer to coordinate with that specialist.


Our Compensation

At the client’s discretion, and based on the nature and scope of planning work to be performed, clients may pay for planning services in one of two ways:



1. Hourly fees

Hourly fees. At the rate set forth below. This approach is typically recommended for shorter term consulting requests or more limited financial planning and analyses. It may also be appropriate when the extent of work to be done is very unclear. The Advisor hourly fee is $500.00 with a minimum engagement of five (5) hours.


2. Project fees

Project fees. These are fixed at the beginning of the engagement and based on an estimate of the time required to complete the work. This approach is for both basic planning and for complex planning cases. The project fee is based on the hourly rate listed above multiplied by the number of hours Applicant expects to spend on the project. Usually this will require 10 to 30 billable hours or approximately $5,000 to $15,000.00. Client fees are outlined in advance in writing and are collected 50% upon engagement and 50% upon plan delivery.