People need guidance now more than ever, and recent cultural shifts have made it increasingly difficult to plan for the future and make decisions. Our Advisors have adapted to client needs by providing oversight and guidance on issues beyond finances such as health, psychology, education, and family.

The industry norm is to develop a static financial plan and create the expectation that clients should stay the course and follow this plan.  Instead, we focus on exploring ‘What if’ scenarios.  This can help clients develop proactive methodologies for real time, proactive decision making as opposed to living and operating in a totally reactive mode.

Financial Planning

Planning is not a document, it is an ongoing discussion around how to handle the changes that life deals clients.  Advisors customize the planning process to each client to give them  a greater sense of comfort and control.

Developing a proper “business plan for life”

By taking into account every concern (material and financial) in your client’s life, and treating everything altogether as a business, you can create a “business plan for life” for each client. Too many financial plans are based on sales tactics leading to the purchase of insurance and investment products. A good comprehensive financial plan should be based on cash flow and tax impact, and individuals should view all estate related concerns (assets and financials – everything you own) as a business entity.

An effective, comprehensive plan can be overwhelming, but with the right help and assistance, successful planning can be achieved one step at a time. 


Properly integrate tax strategies, estate planning concepts, investment management, and all cash flow concerns.

Each quadrant is a major component of comprehensive planning, and each requires competent analysis followed by the building of individual strategies. Poor judgment or bad decisions in any of these areas can add up to lost dollars and lost earning power. Income can be maintained or enhanced, and taxes avoided, minimized, or deferred through:

  • Proper product coordination
  • Estate control
  • Sound asset management
  • Advanced tax planning


Coordinate all of the planning elements.

Decisions in one area can dramatically affect results in another. Only through plan coordination and conducting impact analysis of decisions will your clients be able to always see the big picture. It should include preparing for life’s “consistent inconsistencies” by incorporating as many “what if…” scenarios as practical, while coordinating them appropriately – a business plan for life.

IMPORTANT: Each Investment Adviser Representative takes discretion on what type of investment advice and/or planning is needed for a client and how that planning is not be implemented.  Each client receives a customized experience.