The Sabin Wealth Management Group 4D Process

Our process focuses on illuminating your financial life – providing you understanding of and control over your finances, helping to lead to confidence, and successful outcomes.

The focal point of our process is the creation of your Financial Strategy Action Plan (FSAP), an executive summary making the complex understandable and actionable, to you, your loved ones, and trusted professionals. It centers on individualization, organization, and your strategy to help you achieve your goals.

Our four-step process focuses on the 4Ds.

Fit meeting: We will discuss the client-advisor relationship, expectations, and what’s necessary for a successful long-term relationship
Review of investments, liabilities, and estate documents
Analyze current asset allocation vs. goals

Discovery process to gain a comprehensive understanding of your personal resources, liabilities, and short- and long-term objectives
Goals often include: traveling, children’s education, enjoying retirement, and charitable giving
Evolution and changes based on life events and stages often mean a change in priorities and a need for specialized financial guidance

Utilize the Financial Strategy Action Plan (FSAP)
eMoney process helps uncover highest priority goals and objectives, and determines likelihood of successful retirement
Strategy Overview Sessions
Expense planning worksheet helps you better understand spending needs in retirement
Healthcare cost fact finder allows us to more accurately estimate your expected Medicare and out-of-pocket expenses

Income center helps ensure we are optimizing retirement income
Tax-efficient withdraw strategies
Potentially use annuities and fixed income to help provide retirement income
Recreate “paycheck” in retirement using systematic, scheduled transfers to client's checking accounts