Financial Planning

Our Approach

Dwight Eisenhower said, “Planning is everything. The plan is nothing.”

In reality, most plans will change after they are put in motion. But there is so much value in planning. It defines the goal or the outcome we desire. And that’s the most important part of the original planthat the destination is clear; that the reason you’re on the journey in the first place is understood. That’s why financial planning is a critical component of our approach to wealth management.

 

Our approach to wealth management is holistic and our goal is to become the hub, or the epicenter, of your financial world.

Our planning process is the most thorough, efficient way to achieve that.

You need a financial plan. We can confidently say that. Because realistically, wealth is only meaningful if it helps you achieve your goals. And goals can only be reached if they’ve been set.

Every financial planning engagement begins with a discovery phase in which we learn about where you are and where you’d like to be. 

... And then We're good at the "how" part

It’s pretty powerful to be able to map out various courses of financial action with strikingly different outcomes in simple dollar terms.

“What happens if I pay off my mortgage in 2030 versus 2040?”
“What happens if I convert my IRA to a Roth IRA before I enter into a higher tax bracket?”
“Can I afford college for my 5 year old daughter if I invest $100 a month in a 529 Plan?”
“Should I retire in 2025 or 2028?”

We use robust, sophisticated financial planning software that helps us figure out the most efficient way of helping you get where you’d like to go. It takes into account all of your assets and income, as well as your debts and expenses, but also incorporates more complex factors such as compounding interest rates and taxes. This rigorous process helps us draw smart, informed, scenario-tested conclusions about the best course of action for you to reach your financial goals. And the result is a living, breathing financial plan that acts as a North Star for your wealth management strategy.

“Personal finance, like most important aspects of life, is a never-ending quest. The competent investor never stops learning.”

William J. Bernstein, The Four Pillars of Investing

Our financial planning approach is to be insightful, rigorous, and judicious.

Insightful

Whereas investment management is best handled when emotions can be checked at the door, financial planning is its more emotional sibling. We seek to be perceptive and insightful about your beliefs and values so that we can help you identify what’s most important to you.

Rigorous

No stone should go unturned when it comes to financial planning. The more information we have to work with, the more confident we can be that our assumptions for the future are reliable, accurate ones that paint a pretty complete picture.

judicious

We are smart and conservative with our planning assumptions and predictions. We’d rather you be pleasantly surprised to the upside than devastated by a surprisingly negative financial outcome.

For more than 30 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. 

Our CFP® professionals take a holistic, personalized approach to bring all the pieces of your financial life together. As part of their CFP® certification, they’ve made a commitment to act as a fiduciary when providing financial planning advice to you. 

“The first rule of compounding: Never interrupt it unnecessarily.”

Charlie Munger

Financial planning is just one piece of what we offer our wealth management clients.

full service team

A hands-on team of industry certified professionals handle all aspects of account administration and field any questions you might have. We also specialize in helping you navigate uncharted life events or times of transition.

Investment Management

We employ active portfolio management of various stock, bond, and ETF solutions to help you meet your objectives. And since the impact of investment gains can be increased taxes, we actively consider tax-loss harvesting as part of our process.

Financial Planning

A comprehensive evaluation of your current and future financial concerns by extrapolating variables and testing scenarios helps us develop the best course of action for meeting your goals. We have several CFP® professionals on our team, and we utilize robust, sophisticated software for our planning.

Direct access to tax & legal professionals

We are not experts in everything, but we will get you in front of any expert that you need. We have long, trusted relationships with many industry professionals and are happy to facilitate those conversations for you.

Financial Education

We love what we do, and we love to teach others about it. When we produce regular educational content, we aim to increase your financial literacy so that you’re better equipped to know what you can do to reach your goals.

Digital Solutions

Our processes, from onboarding to account maintenance to reporting, are electronic for increased ease, convenience, and security. We aim to make everything available with the touch of a button.

Ready when you are.