To us, financial planning is more than just providing investment advice, it’s how we help protect your lifestyle by considering all the factors and assets at stake.

That’s why we incorporate a holistic approach, addressing all aspects of your financial well-being.

A holistic financial plan factors in all of the areas of your financial life, or as we like to call them, the five pillars of wealth management, including:

• Financial Planning
• Asset Management
• Tax Management
• Protection Planning
• Legacy Planning

As holistic advisors, we regularly review each of these areas with the appropriately licensed team members to ensure everything is working together in synergy towards your specific goals.

By creating a personalized, holistic plan, using The Bucket Plan® philosophy, we can optimize all your assets to work collectively towards your goals, while also reducing critical inefficiencies, including:

• Gaps in coverage

• Overlap or overexposure in investments

• Tax inefficiencies and missed savings opportunities

• Failure to provide lifetime income

• Communication disconnect between many financial professionals

• Missing legal documents that leave you and loved ones vulnerable

Our process always includes an introductory call to make sure we’re the right fit for each other. After our introductory call, we follow the 4 step process we developed to avoid critical oversights when working to create and maintain your financial plan.

Step 1: Discover — where you are now

We’ll hold your first meeting and if you’re married, plan to have your spouse with you. During this time, we’ll find out more about you, dig into your goals and dreams for the future, and get a clear picture of where you’re starting from. We’ll also share our process and a little bit more about how we work.

Step 2: Design — where you want to go

In our second meeting, we’ll start organizing your financial life. We’ll take a deeper dive into your current financial picture, analyzing your cash flow and net worth and reviewing your taxes. We’ll also take this time to help you prioritize your goals. Then we’ll use this information to develop a plan to turn those goals into reality.

Step 3: Deliver — your holistic plan

Our third meeting will be used to deliver your customized Bucket Plan, which is tailored specifically for your needs as we consider funds you need now, soon (the next 10 years), and those you need for later (10+ years). We’ll outline our recommendations for aligning your risk tolerance with your investments and optimizing your taxes.

Step 4: Dedicated — service and support

After we’ve worked together to implement your plan, we’ll serve as your trusted advisor, providing proactive management and ongoing advice to you and your family. We’ll monitor your plan and adjust for any changes in your life or family needs, helping to ensure your wealth will always be safeguarded.