Philosophy and Process

“A society grows great when old men plant trees whose shade they know they shall never sit in.” 

Greek Proverb

Philosophy and Process

Three Pillars

The core tenants of the work that we do for clients begins with an initial framework that has four pillars:

  1. Centralized Financial Organization
  2. Income Statement Creation
  3. Balance Sheet Creation
  4. Integrated Financial Planning

Regardless of who we are working with, we always will make sure that we address these four pillars because without them, the client’s return on investment (ROI) in our advice and/or services cannot possibly be optimal. If a client wishes to deviate from our initial and ongoing planning processes outlined below that is fine, but in each meeting that we have with a client we expect to have a full, clear picture of their circumstances and provide clients with the tools and resources to do so.

Initial Planning Process

This initial planning process is characterized by a thorough, logical, dialogue and education process, followed by strategy development sessions and financial plan implementation. This process typically includes information gathering, analysis, and discussion in the following areas:

  • Goals
  • Family Structure & Dynamics
  • Roles & Relationships
  • Income Statement
  • Balance Sheet
  • Document & Information Organization
  • Insurance
  • Estate Planning
  • Income Tax
  • Retirement Income
  • Investment Management
  • Education Funding
  • Business
  • Other

Ongoing Monitoring and Refinement

After the initial planning process is complete, we offer a prescriptive suggestion related to ongoing monitoring and refinement of each of the planning areas listed above with suggested actions to be performed over the course of each year going forward. This may be accomplished with or without our direct involvement. If circumstances do not dramatically change, clients are likely to be able to stay in this mode for a significant period of time as long as the necessary maintenance work is being performed over time.


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