Strategic Financial Planning

HOW WE PLAN

OUR PROCESS

Our strategic-planning process, The Relevance Filter™, complements and guides our investment process because we can’t responsibly invest your money until we know what you need your money to do.

Common Retirement Questions

Do I have enough money to retire or am I on track to have enough money to retire?
How do I get money out of my retirement plans in the most tax-efficient manner?
When should I claim my Social Security benefit?
How does Medicare work and what supplemental policies should I have?
Am I invested appropriately?
What are my risks?
- Is it the market?
- Is it taxes?
- Is it the rising cost of living?
- Is it my expectations?
- Is it my emotions?
Should I pay my house/mortgage off?
Should I convert my traditional IRA to a Roth IRA?

COMMON QUESTIONS

All of our clients, regardless of net worth, come to us with a very similar-looking set of questions. Typically, the list looks something like the list you see on this page. As we go through the strategic-planning process, other questions arise that you likely wouldn’t have considered. The Relevance Filter will bring these questions to light and kick off the process of finding an appropriate solution.

THE RELEVANCE FILTER

INDIVIDUALIZED ANSWERS

While the questions clients ask tend to be similar, effective answers depend largely on your individual circumstances. So, we use The Relevance Filter™ to deliver specific, individualized answers rather than the generic advice offered on the financial channels, journals, and websites.

PLANNING AHEAD

WHY STRATEGIC PLANNING IS CRITICAL

Retirement is a point in time, and, unfortunately, you don’t get to choose the market or economic environment you will experience during retirement. Our experience tells us that one way to deal with this uncertainty is to put an initial financial plan in place, develop an investment plan that complements the financial plan, and to monitor and stress test each to see how they hold up under varying economic and market conditions. No amount of monitoring or stress testing can predict the future, but it does provide a gut check for what types of risk you may be willing or able to accept.

One way to deal with uncertainty is to put an initial financial plan in place, develop an investment plan that complements the financial plan, and to monitor and stress test each to see how they hold up under varying economic and market environments.
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