Our process is designed to develop a Winning Strategy for you:

Financial Life Planning:

1.) Initial Review

Financial Life Planning is a process unique to each individual. Our main objective is to understand "What's Important about money to you".  This all important question  will clarify your values, priorities, circumstances, and aspirations .

We believe your wealth and your health are vitally important to living a "rich life".  It's not so much the destination but the journey we focus on to help accomplish your Financial Life Planning. As your advisor we travel this journey together.

Due to the unpredictability of life and the complexity of financial markets, it is important to work with a financial advisor who will help you pursue financial and life goals.

2.) Plan Design

By matching your goals with a proper strategy the following factors are considered:

• Determine your risk tolerance level
• Financial risk management, are there proper insurance products in place
• Your time horizon
• What if any tax considerations
• Review your current investments
• Are your current investment properly titled and are the beneficiaries up to date.
• How will the strategy effect you and your Family Long and short term.

3.) Plan Presentation (second review)

Review your goals and concerns (what is about money that is important to you).
Present the plan:
                a) How it has been determined to match your goals.
                b) Review your current insurance and investment holdings.
                                1) Are there changes to considered.
                                2) Will they blend with the recommended strategy.
                c) Supply you with the information, investment policy statement, documents, and illustrations to make an informed decision.
                d) Establish an action plan to implement the strategy.

4.) Monitor the Plan

Communication and periodic reviews are key to staying on track.
On an ongoing basis your account is reviewed in house to assess if it is staying the course.
                a) Evaluate the overall performance.
                b) Address risk exposure of market conditions.
                c) Rebalance portfolio

At our client meetings we will:
                a) Discuss any changes in your life that may cause a change in your investment strategy.
                b) Review the  overall performance of your portfolio
                c) Ask for feedback regarding your  plan expectations.

You have full access to your account through our web site,  Albridge.  This feature allows you to monitor your account on a 24/7 basis, this service is free of charge.

Manage Risk Tolerance

To help me understand your risk tolerance, please take a moment to complete this questionaire.