Six Step Planning-Based Process

1.  Discovery

• Discover what's critical to our clients and their family
• Discuss financial concerns and priorities
• Understand vision, goals, objectives

2.  Preliminary Analysis and Risk Assessment

• Analyze current financial information, performance, and holdings
• Assess time horizon, risk tolerance, and liquidity needs
• Diagnose strengths and weaknesses of current financial situation 

3.  Strategic Planning

• Determine best combination of taxable, tax-deferred, pre-tax, and tax-free investment types
• Analyze plan success, probability via Monte Carlo analysis
• Introduce tax minimization techniques for current and future tax
• Assess income/asset replacement needs
• Ascertain appropriate estate and wealth transfer strategies

4.  Investment Recommendations

• Implement the following strategies where suitable:   
        Asset Allocation Strategy
        Macro-economic Trends Strategy
        Trading Platform
        Fixed Income Strategy
• Adjust portfolios per alerts and investment process
• Adjust portfolios based on review and research per process
• Generate Investment Policy Statement
• Assess plan changes

5.  Implementation

• Ensure a successful transition to our firm
• Involve other professionals as needed (accountant and attorney)  

6.  Reporting

• Communicate investment and planning trends
• Understand impact of life changes
• Agree and adjust where needed