Process for Families and Individuals

As CFP® professionals, Karl, Kevin, and Beth use the CFP Board’s six-step planning process to address all of a client’s needs. Because each situation is unique, the process adapts to specific needs and changing situations.

We often provide our clients with a comprehensive investment planning and retirement planning service.  Whether it is from the start of the client-advisor relationship or at some point in the future, we work with most clients through the following steps:

Step 1: Establish the Client-Planner Relationship
We want to learn about you, your values, your history and experiences, and most importantly, your goals for the future.  We also want to answer any questions you may have about us, our background, and our structure to determine if the relationship is mutually beneficial.

Step 2: History and information gathering for your plan
Once the decision is made to work with us, we learn about your past experiences with investments and planning, and gather the details of your current accounts and your personal information.

Step 3: Analyze and evaluation of your information to prepare your plan
We review all the data we have obtained and analyze this information compared to your goals and expectations.

Step 4: Presentation of your plan
Once we have analyzed and reviewed your planning scenarios, we meet with you to present the plan, discuss the details, answer your questions, and discuss the options you have

Step 5: Implement your plan
After the plan is adjusted to your liking and you approve, we implement our suggestions.  This may include the opening of investment accounts, the reallocating or adjusting of existing accounts, and possible lifestyle changes.

Step 6: Ongoing monitoring or your plan
We will continue to meet with you on a regular basis to review your plan and investments, and to update and adjust your plan based on any changes in your personal goals and objectives. 

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