Download the Planning Process PowerPoint Presentation

Personal financial planning focuses on the individual, and on his or her own personal preferences and specific circumstances. In order to plot the best course for one's financial future, and best serve your needs, the professional financial practitioner employs the Total Financial Planning Process, as explained below:

We begin by providing each client with a Needs Analysis, a straight forward and easy process that helps quantify the required annual investment and projected rate of return to achieve your individual financial goals and objectives.

I will then guide you through an Investor Questionnaire. Your answers to this questionnaire helps me determine your investment suitability and risk tolerance based on your time horizon, liquidity needs, personality, and financial stability.

Whether it is to save for retirement, finance your children's education, go back to school, semi-retire, or travel the world, Investment Projection will help shed light on your future, and provide answers to your most important questions such as "Do you have enough to retire?" and "What rate of return do you need, and over what time period will it take?" Through easy to view charts and summarized graphs, the Investment Projection becomes a very helpful "roadmap" that we will consult often as we chart the progress of your investments to reach your goals.

Using this projection, we can create a steady and consistent stream of income from your investments for retirement, and provide sources of cash for other important purchases, all while maintaining and protecting the principal balance of your portfolio over your entire life. We will also address the many risks people may encounter, such as: extended longevity, inflation, the rising costs of healthcare, keeping your taxes low, unexpected sickness or emergencies, and the rise and fall of the stock market.

The answers we receive through this process help me to establish what type of investor you are, and leads to the final step where I custom-tailor a Specific Investment Recommendationto fit your financial needs and accomplish the above projection. Based on this, I will recommend the most appropriate investment products to meet your needs, which I will set up, monitor carefully, and fine-tune as it grows.