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How Can We Work Together?

We work with you to choose the financial planning model that works best for you.

Here are five different financial planning models. Which one do you use?

  1. No Planning - The result can be devastating. People who do no planning tend to live day by day and may lose control over their financial lives.

  2. Occasional Planning - This keeps people one step behind where they should or could be. This is oftentimes a "do it yourself" mindset. It lacks understanding of the importance of having professional assistance.

  3. Needs Based Planning - This focuses on meeting needs such as saving for a house or retirement income. This kind of planning takes place only when the need is present or obvious.

  4. Financial Planning - Focuses on trying to meet predetermined needs or goals. The methodology planning fee involves substantial number-crunching and monitoring of mathematical variables such as interest rates, investment rates of return, inflation rates, income tax rates and future income needs (usually) over long periods of time.

  5. The Lifetime Financial Process - Seeks to protect your assets from being eroded by taxes, inflation, market fluctuation, fees, claims from creditors, and other costs. The main objective is to build assets without the limitations of predetermined needs or goals.

Frequency and Services Provided

Transaction Based
A minimum of one service contact per year.

  1. Review of account performance.
  2. Contact related to account issues.

How We Get Paid

No Fee
Commissions earned on product/investment sales

Planning Based
A minimum of two service contacts per year. Includes all of the previously mentioned as well as comprehensive, in-depth analysis of some or all of the following areas:

  1. Net worth and cash flow.
  2. Investment planning/asset allocation.
  3. Risk management.
  4. Income tax planning.
  5. Estate planning.
  6. Education funding/planning.
  7. Business planning.

Fee Only OR Fee and Commission
This planning option uses an economic model which is dynamic and provides an integrated and coordinated process. It is holistic and based upon cash flow.

We always welcome qualified introductions and referrals to friends, family, co-workers, and business associates.

Related links:

Business Planning
CPA Strategic Partnerships

Financial Planning Menu of Services

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