Developing a Plan for Your Financial Future

Without a plan, you don't know where you are, where you are going, or how to get there. It’s like trying to take a vacation without planning. Should you pack a swimming suit or a coat, sandals or snow shoes? As a financial planner I am amazed at the number of people who execute their finances in such a manor.

Understanding what is important to you and your family to help you identify and reach your objectives is critical. Although there are many ways to work toward your goals, the key is having a plan and working with an advisor you can trust to ensure that you stay on track. My five step process helps you develop personalized goals and then work to achieve them.

Step 1: Where Am I Now?

 Before you can determine where you want to go, you first need to honestly determine your current financial situation. Sharing information such as a list of monthly expenses, last year's tax return, retirement plan statements, brokerage, bank and other financial statements will help me understand and provide an overview of your current situation.

Step 2: Where Do I Want to Go?

 After determining where you are today, the next step is to set tailored goals personalized to...
• Preparing for Retirement 
• Education Funding
• Living in Retirement
• Planning Your Estate & Inheritances

Step 3: Advisor Evaluation

Using state of the art software, I create a personalized evaluation based on your current situation, future income requirements and comfort level with risk. We work together to create and implement strategies that can help you achieve your dreams and objectives.

Step 4: Activate Strategy

My investment philosophy focuses on building a diversified portfolio containing quality investments that provide for your established goals. I use a variety of asset allocation tools to keep your investments and risk at a level you are comfortable with. As your financial advisor, I can help you select the appropriate mix of investments to help your goals become a reality while keeping your risk as low as possible.

Step 5: Evaluate and Stay on Track

Meeting annually and talking frequently can help ensure that you stay on track. If any of your goals or circumstances change, we can make appropriate changes that address the evolving situation.