OUR PROCESS

 
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Guiding you to your financial freedom

 

You want to be free. Free to do what you want, when you want, without having to think or worry about money. We recognize that simply having more does not necessarily free you from money stress.  In fact, for many people, the more they have, the more they worry.  By centering our process on you and the things that matter to you most we give you the confidence to let go of the worry.  You’ll find you have more time in your life to do the things that really matter to you.

 

Discover

STEP 1

Our work begins with you and not your money. When you schedule your first meeting with us, we will sit down and have a discussion about you, your life, your family, your dreams, your fears, your priorities. Before we focus on your money, we focus on what a great life looks like to you.

In our first meeting we will start to define where you are today and talk about your realistic and manageable financial goals, acknowledging that it involves some guesses about the future. There is absolutely no commitment requested at the end of our discovery meeting. However, if we mutually decide to meet again then we will schedule our second meeting.

Develop

STEP 2

The development of a financial plan is a collaborative process. You are the expert on your life, and we are the expert guides. Together we produce a custom strategic plan that will create the context for your long-term financial decisions. We will start to look at ‘what-ifs’ and help you understand the trade-offs that are always present.

We will outline the most important tasks that need accomplishing to get you on track. We address everything from your life insurance to what you will be living on when you are 90 years old:

  • Investment Management
  • Financial organization
  • Retirement planning
  • Retirement withdrawal strategies
  • Cash flow analysis
  • Planning for major purchases
  • Estate planning coordination
  • Education funding
  • Pension plan analysis
  • Risk Management – life insurance, property insurance and asset protection

During our second meeting we will clearly outline to you the costs involved in working with us. Our fees are always transparent. We never sell products or get paid a commission for recommending anything to you because that would introduce a conflict of interest between us.

Implement

STEP 3

If you are ready to work with us, we will get straight to work. We will open and fund your investment accounts and set a timeline for action on all the other aspects of your finances.

Reassess

STEP 4

A financial plan isn’t created once and financial planning is not an event. It is also certainly not a product. It’s an on-going process that flows with our lives. Our priorities and perspectives change as we move through the different stages of life. That’s why we meet regularly to continually reassess whether you are heading in the right direction or whether the direction has changed.

We anticipate and prepare for life’s events, and we build financial foundations that mean you always get a good night’s sleep.