The Financial Planning Process

Prepared in cooperation with a CERTIFIED FINANCIAL PLANNER™ professional, your personal financial plan is tailored to your current financial situation, personal preferences and comfort with risk.

The Financial Planning Process

Working at a pace you are comfortable with, your advisor will guide you through the steps of creating a personal financial plan. Remember – you are always in control of if, when, and how your plan is put into effect.


  • Identify and prioritize your short- and long-term goals
  • Determine your comfort with risk
  • Inventory current resources and liabilities


  • Cash flow
  • Current investments and asset allocation
  • Asset allocation
  • Employee benefits
  • Tax projections
  • Insurance coverage
  • Special needs


  • Your advisor will present specific recommendations and alternatives for consideration, outlining the benefits and risks of the plan’s recommendations.


  • Fund a savings and investment program.
  • Make initial asset allocation changes.
  • Deploy other aspects of your plan.


  • Review progress of your plan at least once a year.
  • Make adjustments to the plan, when prudent, due to changes in your personal or economic situation and the economy as a whole.

Even if you feel individual areas of your finances are under control, it’s wise to have a comprehensive evaluation of your total economic condition created.

How do I get started?

The first step toward reaching your goals is finding the right advisor to help get you there. That’s why we offer no-obligation initial consultations. These meetings provide an opportunity for you to get to know the person who will be advising you, and just as importantly, for us to get to know you.

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