Holistic Financial Planning
To answer the question, "Do I have enough money to live the life I love, for the rest of my life?", we analyze every area of your financial life, then devise and implement a plan to empower you to Live the Life you Love ℠.
We use the Monte Carlo method and Stochastic modelling to build a living financial plan that serves as a blueprint for your financial life. But we do it in REAL TIME. Think about it. When making a financial decision, isn’t up to date information critical to that process?
Follow this link to a short video overview of our financial planning process. Then, continue below and consider the following comparison between Us and Them (business practices common at other firms). Which approach would you prefer?
You decide to create a financial plan for your life.
Them: You fill out a 25-page fact finder from scratch. Your financial planner types in the data, comes up with a complicated financial plan, and prints for you a nicely bound 500 page document that is out of date the day after it was printed, and promptly collects dust on your bookcase. |
Us: We take several hours to get to know you and your unique situation. We record your responses and opinions in a 50-page summary document and send out the COMPLETED form to you for review. You need only to make corrections or provide requested statements. We electronically import the data from all of your financial accounts at each of the institutions you use. Every night, this data is updated with the most recent information. We provide secure, encrypted access to a special website that lists all of your data and the results of your plan. We upload your financial documents (including wills, trusts, health care directives, tax returns, financial planning documents, etc.) to your private vault so you have ready access to them any time of day from anywhere. |
You’ve changed your mind about a particular aspect of your plan. Perhaps you want to retire at a different time, you received a raise, you lost your job, you start a business, you want to sell your business, or your child earned a scholarship.
Them: You fill out a new form documenting the change. Your financial planner types in the new data, prints a new section for your report, which you now get to file on that dusty shelf. Your financial planner sends you a bill for the time spent updating your report. |
Us: You call us to discuss your new idea. We pull up your current financial data (as of close of business yesterday) and test out the impact of different strategies with you over the phone. You narrow down your options. We generate specific reports that detail the impact of your final few choices and upload them to your private vault for you to review at your leisure. We do NOT send you a bill, because we only charge a flat fee once per year. |
You’d like to get the opinion of your attorney or accountant on a financial matter and would like them to better understand your financial situation.
Them: You collect your financial plan, your most recent investment, bank, property, insurance, mortgage and debt statements; your most recent tax returns; your wills, trusts, living expenses, and pay stubs; you also collect all of the same documents for your business. You send them to your accountant or attorney who spends several hours, at their hourly rate, to digest the information and render their opinion. |
Us: We schedule a conference call with your attorney or CPA, give them access to your financial data (only with your written permission), and spend 30 minutes on the phone orienting them through your specific financial data. We train them on how to use the system so when they have a question later, they can log in and get the answer themselves. We show them how to access your tax returns, statements and legal documents from your private vault. At the end of the conversation, they have the data they need to render their opinion. While they may still send you a bill, you just saved several hours of their analysis at their hourly billing rate. Plus you don't need to collect all of those documents |
Fees. We collect a flat annual fee to provide ongoing, comprehensive financial planning services. We do not bill hourly because we want you to call us whenever you are considering making a financial decision. The more often we talk, the better we can serve your specific needs. Hourly billing can be an obstacle to this process.
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