Our Process

The PLAN Success Cycle™

Our ongoing process for understanding your financial goals and developing a plan to pursue them effectively through a four‑phase cycle.

A consistent planning process serves as the foundation for successful financial plans. The PLAN Success Cycle™ is our proprietary process specifically designed to help craft and manage your financial plan on an ongoing basis — adapting as your circumstances evolve.

"Most people don't plan to fail, they fail to plan."

Prepare

Build trust and gather important information.

Learn about your vision, values, and priorities, as well as our firm
Determine if we can add appropriate value and if we are a fit for your situation
Collect the necessary information to understand your short- and long-term goals
Organize all of your financial statements and documents, which will serve as the foundation of your plan
Define your risk tolerance, return goals, and investment constraints
Document pertinent information regarding the various components of your financial plan, including your current and future cash flow

Learn

Understand and analyze your current portfolio and financial plan.

Analyze any unnecessary risks and inefficiencies in your current portfolio
Determine if your current portfolio properly reflects your objectives, constraints, and overall financial plan
Assess all aspects of your current financial plan to determine if any planning areas have been overlooked or need attention
Understand any opportunities for improvement in your current financial accumulation or distribution projection
Conduct a careful review of any planning-related factors that may impact the transition of your assets
Communicate with outside professionals, such as your attorney or accountant, to determine if all planning areas are properly coordinated

Align

Design and implement a portfolio and financial plan that strives to best achieve your goals.

Provide and implement recommendations and strategies to address any unnecessary risks or inefficiencies in your current portfolio
Deliver a custom financial projection that guides you to and through retirement
Design and implement planning recommendations that strive to address the planning topics relevant to your situation
Coordinate with outside professionals, as necessary to help ensure all planning-related documents are properly drafted
Review agreements, pricing, and services for any outside professionals, relationships, or technologies related to your financial life
Complete and process the necessary paperwork to transition your assets and implement your plan

Navigate

Continually monitor and reevaluate your financial situation with the goal of keeping you on track.

Deliver ongoing account updates and access
Consistently monitor, review, and adjust your plan
Offer ongoing and personalized counsel, market insight, and educational communication
Provide ongoing, active portfolio management and rebalancing
Make any necessary portfolio adjustments as your situation evolves
Maintain your entire financial plan to help ensure you stay on track to meet your goals

"If the process is clear, results will appear."

The PLAN Success Cycle™ is a process of ongoing activity that we believe is critical to ensuring your financial plan reflects your financial life and circumstances.

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