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Our Process

Our philosophy is to suggest strategies and recommend appropriate products or services that are based on a clear understanding of your objectives and that help you to manage the risks associated with taxes, inflation, market fluctuations, loss of income, healthcare events and premature death.

Our objective is to help you reach your goals. To that end, we use a needs-based, 4-step approach to financial problem solving:

  1. INITIAL CONSULTATION:  Before we recommend any product or service, we first need to ask some questions about your present situation and get a clear understanding of your financial objectives and tolerance for risk.

  2. PLAN DESIGN: Then we analyze your existing plans to see if they will meet your current and future needs. We will prepare a written program with suggestions to fill in the gaps or to help you to reach your goals more efficiently.

  3. IMPLEMENTATION: If our recommendations make sense to you, and at your request, we will help you to implement them using whatever financial products or services are necessary1.   

  4. ANNUAL REVIEW: Since your situation is bound to change, we will conduct annual reviews to monitor performance of your insurance and investment decisions to ensure that your program is always focused on the achievement of your financial goals2.


Fixed Based Financial planning also available


Implementation of specific products or services may result in commissions or fees outside of the financial plan fee.
Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.