Our Planning Process - by D.E.S.I.G.N.
We believe that quality financial planning happens by D.E.S.I.G.N. Through our comprehensive five-step planning process, named D.E.S.I.G.N., we help clients make a plan for reliable income, work to protect their principal, and seek enough growth to outpace inflation. Frank and Sheri help remove the worry that often accompanies retirement, and work hard to replace it with the confidence that comes from knowing that your financial affairs are in order. Our goal is to hear clients remark that they are happier, calmer, and enjoying life more.
Our D.E.S.I.G.N. process includes the following:
Guide and Navigate
Step 1: Discover – The key to the Discovery process comes down to knowing which probing questions to ask, understanding the correct way to ask these questions, and more importantly, actively listening to you as you answer our questions. Throughout this process we capture objective data (legal documents, financial statements, tax returns, etc.) and discuss your goals, dreams and aspirations. Only after we understand the concrete and intrinsic elements of what makes up your financial world can we begin a thorough analysis.
Step 2: Examine – Once we have completed the Discovery process, we analyze the information and determine where you are today, what planning you have done prior to meeting us, and the objectives, priorities and expectations you have moving forward. This provides the groundwork to identify missed opportunities and eliminate potential obstacles that could make it difficult to reach your ideal financial destination.
Step 3: Solve - with a written plan – After thoughtful discussion regarding your priorities and a detailed analysis of your current and future finances, we present our recommendations in an actionable, written plan. Your plan is presented so that you, your family and anyone else important to your financial life will clearly understand your situation and your short- and long-term objectives. The plan, in its entirety, will serve as our shared reference to take actions and implement strategies that will help move you toward your final destination in a prudent and meaningful way.
Step 4: Implement – After the planning process is complete and we have delivered your financial action plan, we move to our final step: Implementation. It is here that our recommendations are put into place. When necessary, this includes initiation of product strategies and involvement of complementary advisors to create, change or update documents. Clearly, this step is the most meaningful in the process, because it is the real payoff to a transparent and succinct effort to make your life everything it can and should be. Once Implementation is complete, we monitor your plan on an ongoing basis.
Our firm is well-versed in analytics, asset allocation models and risk management. We work for you as a full partner and advocate for your success. We offer the following services to help you grow and protect your assets and facilitate their transfer among family members and heirs. We will help you develop clear goals and a concrete plan for reaching them.
- Retirement Planning and Wealth Preservation
- Investment Advisory Services
- Financial and Estate planning
- Succession Planning
- Insurance and Risk Management
- Executive Compensation – Deferred Compensation
- Tax planning
- Charitable Gifting
Step 5: Guide and Navigate through our C.A.R.E. Process– After your plan implementation is complete, we focus on providing you the concierge-level care necessary to keep your plan on track. We actively manage and review your plan for today’s needs and tomorrow’s changes. We coordinate your financial plan with your accounting and legal needs to ensure that your plan is intact across the board.
Our review process is affectionately known as our C.A.R.E. Process. The C.A.R.E. acronym stands for Client Account Review Experience. This high-touch review process seeks to provide you with clarity on every aspect of your plan and give you a true sense of security that your financial affairs are in order. At each review, your entire plan is considered. Your income, investments, estate and legacy plan are reviewed in detail and all your questions are addressed. Our review appointments are all about you. This is your time to have your financial needs met.