ONBOARDING IN YEAR 1

 

Meeting 1: Goals Discovery

Clarifying Your Roots & Vision

Inherited beliefs and past experiences subconsciously shape your approach to financial decision-making. We lead you and your partner through short exercises that reveal your money stories and your aspirations.  Our process helps you view your money as a tool for reaching your goals. 

 

Meeting 2: Data Discovery

Clarifying Your Resources: Assets, Time and Human Capital

A tangle of old 401(k)s, inherited accounts and multiple money managers impede financial peace of mind. We consolidate and analyze your assets, quantifying the resources available to meet your goals.  

 

Meeting 3: Plan & Investment Recommendations

Envisioning Your Story, Completing Your Financial Blueprint

Using your values and goals as the backbone of the plan, we create a narrative vision for your financial future, a numbers-based plan and an implementation blueprint. These living documents are the foundation for managing your life transitions, like launching or selling a business, buying a new home, transitioning into retirement or beginning a new career with ease. 

 

Meeting 4: Cash Flow Planning

Developing Money Awareness

We explore your weekly & monthly cash flow, assessing whether it aligns with your values and vision. 

If your spending and saving habits lack structure, we help you implement a cash flow system that supports prioritization and communication while being automatic and easy to maintain.  Our aim is to help you feel permission to spend on pleasure today while putting money aside for your future.

 

ADDITIONAL MEETINGS AS NECESSARY

Gathering your Financial Team

Connecting you with our trusted colleagues or working with your established partners, we play the role of maestro, coordinating your Financial Team and keeping them invigorated around your vision. Your team members may include your tax advisor, bookkeeper, mortgage broker, realtor, banker, estate planning lawyer, insurance agent, favorite charities or personal assistant.

 

Meeting 5: Tax Planning

Proactively Managing Taxes

We meet annually with your CPA or Tax Advisor to outline a tax plan aligned with your short and long-term goals. We bring financial planning and tax planning together to work towards predictable outcomes when tax time arrives.

 

Meeting 6: Risk & Transition Planning

Preparing for the Future

In collaboration with your insurance provider, we develop a plan that will help you carry less stress around unexpected events such as disability, premature death, and caring for you and your family during elderhood.  We clarify how much cash you should have for emergencies, medical deductibles, long-term care, and short-term unemployment. 

 

Meeting 7: Estate Planning & Aging

Honoring Death

One of the greatest gifts you can give your family is clarity about what you want as you age and when you die.  We collaborate with your estate planning lawyer to review or implement Estate Documents (Will, Powers of Attorney, Beneficiary Designations, Advanced Directives and Trusts) that articulate what you want and make it easier for your loved ones to carry out your wishes.  

 

Meeting 8: Philanthropy & Charitable Giving

Understanding Plenty & Enough 

Charitable giving can fund your most cherished beliefs, open a powerful conversation with your family about financial values, and be a practical aspect of your tax planning. We help magnify your vision by collaborating with local philanthropic organizations.  We explore whether annual giving, capital contributions, a Donor Advised Fund or a family foundation could maximize your impact. 

 

ONGOING IN YEARS 2+

 

Spring and Fall review Meetings

Monitoring your Financial Vital Signs

We meet twice a year to incorporate recent life changes into your plan and celebrate your progress. We review your financial narrative, investments, cash flow, insurance, estate and charitable giving to make sure your financial life continues to reflect your deepest aspirations.  

 

On-call & email support

we'VE GOT YOUR BACK

We are your first call when you’re making big financial decisions, whether it’s a new job or your (grand)child’s acceptance to their dream school. As you need support throughout the year we are available by phone or in-person and respond to email within two business days.