Guided by planning
Our Process
We start with an in-person meeting/phone or web conference to understand each client’s financial situation at a high level. We share more about our team, approach, and values and determine if there’s a mutual fit.
If we agree to move forward, we will gather information to create a plan for your present and future, knowing that this plan is dynamic and we will make changes along the way.
We use the information provided to present a customized plan. Together, we review our initial recommendations using our planning technology that works to integrate all the financial pieces into one cohesive retirement picture.
After presenting the plan, answering questions, we work together to implement our advice and recommendations.
Once the initial plan and strategies are implemented, our new client process is complete, and our normal client experience begins.
Our client service process is an ongoing two-way dialogue with frequent contact via phone, email and a strategic planning meeting every 6-12 months or whenever one is needed.
As part of our service we will review, manage and evaluate the investment plan, investment and planning strategies, changes in health, family or professional life, personal concerns or priorities, the markets and the tax laws.
Why It Works
Based on accepted statistical methods, eMoney® uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.
We work through a collaborative process to translate each client’s goals for the future into an actionable plan.