Our Process

Financial Planning, Redefined.

Our Freedom Formula™ process focuses on identifying and achieving your definition of financial freedom. Each initial client engagement starts with The D.O.S. Exercise™ that helps identify your potential financial dangers, uncover opportunities you would like to capitalize on, and leverage the strengths of your financial resources. Using that information, we craft a Clear Expectations Letter that outlines your definition of financial freedom in the context of an actionable plan that details the steps we will take to help you achieve it.

We understand that the completion of the initial Freedom FormulaTM engagement does not mark the end of the road.  We proactively monitor all of your financial affairs and schedule regular review meetings to ensure your plan remains on track.

Scaling the Heights of Retirement

Climbing to the top of a mountain is considered by many to be one of life’s greatest achievements.  However, the real goal of climbing is not simply to reach the top, but to reach the top and return safely.

The same can be said for retirement income planning.  For years, people have focused intensely on accumulating enough assets (“climbing to the top of the mountain”). However, the biggest risks facing retirees occur during the income distribution phase — when we retire and begin to live on our retirement savings (“climbing back down the mountain”).

Our unique RISK Process™ (“Retirement Income Survival Kit”) simplifies the complexity of retirement planning and guides you through our effective, time tested approach:

  1. Transition your retirement savings from traditional asset allocation to income allocation
  2. Determine your sustainable withdrawal rate throughout retirement
  3. Address the key risk factors you face in retirement including: market, sequence of returns, inflation, liquidity, longevity, taxation, health, and legacy risks

For more information, download the RISK Process™ brochure or watch the video.

The Optimized Portfolio System (TOPS®)

Determining the optimal investment strategy is imperative for any financial plan.  With increasing economic uncertainty and a seemingly unlimited universe of investment strategies and vehicles, determining the best fit for you can seem like an overwhelming task. 

After a thorough evaluation of your risk tolerance and investment objectives, the TOPS® platform provides you with a disciplined asset allocation strategy to help achieve your investment goals.  Each investment account is established with a customized Investment Policy Statement (“IPS”) to clearly outline the most suitable strategy.  Whether your goal is to maximize return potential, minimize volatility, or some combination of the two, we can help build a portfolio best suited to meet your needs.

TOPS® helps you to answer questions like:

  • Am I taking too much or too little risk with my investments?
  • Are my assets divided into different buckets to address different goals and different time horizons?
  • Are my investments generating unnecessary taxes?
  • Are my accounts being rebalanced regularly to ensure consistent risk exposure?

For more information, download the TOPS® brochure.

Maximizing Your Legacy

The tax advantaged nature of life insurance makes it a preferred legacy planning vehicle for the affluent.  In determining the cost for an insurance policy, the only real opportunity to negotiate is during the underwriting phase.  Knowing this, we assembled one of the nation’s most well-respected and competent underwriting teams to proactively advocate on behalf of our clients to obtain favorable underwriting offers that effectively lower their cost of insurance.

Our Underwriting Advocacy Process™ begins by gathering and professionally evaluating our clients’ exams and medical history prior to sending anything to the insurance company.  By doing this, we are able to position our clients to obtain coverage on the most favorable terms.  This process serves to protect our clients’ insurability while respecting their privacy.

Once we receive the most competitive offers from the industry’s leading carriers, we then analyze each offer against the design parameters of the insurance plan to determine an optimal solution.

For more information, download the Underwriting Advocacy Process™ brochure.

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