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Our Financial Planning Process

We call it P.A.I.L. - Protection, Asset Management, Income for Retirement and Leaving a Legacy.

Our process revolves around planning. This enables us to look at our clients’ entire financial picture and make independent, unbiased recommendations that will enable them to reach their unique financial goals at every stage of their lives.

We do this by asking questions. Everybody has their own goals, fears and dreams. We want to know what you have done so far. What do you like about what you’re doing? What do you not like? What do you want your future to look like?

Your answer to these questions help us create a financial roadmap that can be followed, adjusted and monitored over the years.   


Ensuring that your life would stay on track if something happened to your ability to earn an income is step number one in our plan for you. We like to ask – if you had a machine in your backyard that spit out $50,000 a year, wouldn’t you insure it? We believe in finding you a low-cost option that protects you and your family only during the time that you need it.

Asset Management

While you are in your accumulating years, asset management can be the fuel that turns your goals into reality. We create a plan based on your lifestyle, your risk tolerance, and your preferences for where you want to put your money to work. We partner with you to select independent investments that will meet your needs, and then we monitor them extensively to ensure they remain right for you.

Income for Retirement

We start planning your income for retirement before you retire – it’s a different stage of your life and demands a different investment strategy. We get a clear picture of your income needs, and then put strategies in place that will meet those needs – which will change over the course of your retirement. It’s never “one and done” with us – we know the road gets windy and we are always looking ahead.

Leaving a Legacy

Most of the clients I work with over the years are focused on two things: caring for their families and supporting organizations that are important to them. We begin these conversations with you early, so we can create a plan with you that you will see come to fruition. For many of our clients, especially as they get further into retirement, these plans can include both time as well as funding – which makes them even more meaningful.

The main takeaways from our process are, we are planning based. We get to really know our clients and make recommendations that are based on their needs, desires and goals, not some company quota or proprietary products. After the plan is implemented, we have a system to stay in touch and meet on a regular basis.

If this sounds like something you would like to explore, we would love to hear from you.

Create a Plan to Achieve Your Financial Goals 

Create a Plan to Achieve Your Financial Goals 

Whether you're trying to plan for retirement, or are just starting out, our tool will help you understand where you are and where you need to go. Run through our planning tool now to get started.

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