Client Services Menu

Perpetuation and Protection of your lifestyle
is the ‘why’ of our signature service!

Wealth Optimization Client Profile
  • Long-term, big-picture focus
  • Ability to save a min of 15%
  • Retirement planning and wealth protection are primary concerns

Ideal candidates for our wealth optimization process have matured in their financial planning thinking and ability.  They’ve typically removed the hurdles once in their way to saving money, thru retiring debt, increased earnings, or kids leaving the house!  Long-term planning for retirement is now front and center, in addition to protecting what they’ve built from the myriad of wealth eroding factors that exist.  Saving a minimum of 15% of gross household income is not of concern.

Pre-Retiree Client Process

  • Accumulation focus, geared to answer the key questions of “How much do you need to save? and Where do you need to save it?”
  • Strategy education and efficiency testing of your optimal annual savings strategy, including both retirement and college funding objectives.
  • Detailed investment Risk Analysis completed and Professional Portfolio Management thru our fully independent Registered Investment Advisor.
  • Full Protection planning module always included.
  • View the Pre-Retiree Client Process

Retiree Client Process

  • Distribution focus, geared to answer the all-important planning question “Will you run out of money?”
  • Defining and clarifying the functions of your money in retirement with the purpose of optimizing efficiencies in-line with your income, liquidity, and legacy objectives.
  • Extensive education on how the various financial tools and strategies available to you can work to accomplish your objectives.
  • Detailed investment Risk Analysis completed and Professional Portfolio Management thru our fully independent Registered Investment Advisor.
  • Full Protection planning module always included.
  • View the Retiree Client Process
Protection Planning Client Profile
  • Short-term focus
  • Large financial responsibilities
  • Care beyond themselves

Although an optimized financial plan always includes both savings and protection planning, some people aren’t ready to tackle the bigger picture. The bottom line is that protection planning cannot wait! It must be planned perfectly from day one, as rarely “do-over” chances exist. Many younger families start their financial planning journey here, and move up to our wealth optimization process within 2-5 years.

  • Financial protection focus, answering the question “How much and what types of insurance do I need?”
  • Determining appropriate coverage amounts and limits, product education, and existing policy/contract audits
  • Full coordination of employer provided protection benefits within your big picture objectives
  • Expectation is to begin our Wealth Optimization process within 2-5 years
  • Investing focus, geared towards setting appropriate and realistic expectations for long-term time horizons.
  • Detailed investment Risk Analysis completed and Professional Portfolio Management thru our fully independent Registered Investment Advisor.
  • Expectation is to begin our Wealth Optimization process within 2-5 years.

Compensation Structure & Relationship Expectations