Your Journey

Is the route you’ve chosen the best way to reach your goals?

Your Past

You have learned a thing or two about spending, saving and investing money. Sometimes our heart and our head are together on this, and sometimes they are not. Sometimes we even marry someone who has very different financial priorities, habits and expectations. But no matter what, our past influences how we approach financial planning. Let’s face it: our past is what got us to where we are now. If you are used to meeting or exceeding your goals, you are probably realistic and disciplined. If you are experiencing some obstacles, another perspective about money may be all you need to remove the roadblocks.

Your Present

Ah, the place with too many demands and too much uncertainty, yet not enough time or money for most. The good news is you are here. And remember that small print in every mutual fund advertisement you have ever read, “past returns do not predict future returns”? Truer words have never been written. Chasing past performance is not a plan. Work to get the best plan you can, and then take action. You deserve a secure future, it does require taking a healthy dose of reality. Most people spend more time and money planning their next vacation than they do preparing for the rest of their lives. Our process will put you on your path to peace of mind.

Your Future

Most importantly, what are the options? We all know we will stop working at some point and that we won’t live forever. We may know if other people such as children and parents will influence our financial lives. But, we don’t know if we’ll face injury or illness, divorce or unexpected job loss, or sudden wealth. Some changes are welcome and some are not but that doesn’t mean they may not happen. When the future is such an uncertain place, why leave more to chance? Often very slight changes in how things are set up can yield meaningful results. A well-charted financial map may be all you need to pull it together.

What to expect

If we have the privilege of working with you, you will learn …

• If your current assets and level of savings are adequate
• How much you will realistically need annually for a comfortable retirement
• Whether or not your level of risk is appropriate for the returns you are earning
• Whether or not you are overpaying for fund fees, commissions and for advice fees
• If your asset allocation is optimal for your risk level, desired returns and time horizon
• How much insurance you need and at what cost
• How to access investments that “do-it-your-selfers” cannot obtain without an advisor
• How to “launch” your children into financial independence
• The recommended strategies best for you and your journey and why they are optimal

For businesses, you will know…

• If your current retirement plan can be improved. Explore the options for lower risk, lower expenses, better investments and service
• Deferred income strategies. Lower your taxes and save more for retirement
• Possibilities for liquidity needs. Be prepared for partner buy-outs and acquisition opportunities
• Strategies for providing health insurance for yourself and your employees

Explore

Call or email to explore our service offerings and learn more about the unique Journey Experience. It’s all about finding the right relationship. Complete and return our Confidential Questionnaire and benefit from a free one-hour consultation.