Byron Moore, CFP® and Mike Jones

Planning

The purpose of financial planning is essentially to make work optional.  Whether you actually want to stop working or not, we can all agree that it’s best to be in the position to not have to work if you don’t want to or, worse, suddenly can’t.  But how do you do that?  Very simply, you spend less than you earn right now in order to save and invest money for use later on.  To accomplish that, you need a plan to organize your resources, however limited or plentiful, to optimize future financial outcomes.

To create your financial plan, we’ll walk with you through a five step process:

  1. Discovery: Before either you or we sign the dotted line and commit to a working relationship, we’ll visit—usually more than a few times—to get to know each other.  We’ll share our financial philosophy and processes, and you’ll tell us about your current situation and goals.
  2. Analysis I - Philosophy: It’s fine and well to share with you examples of our work, but we know the best way for you to judge entering into a working relationship with us is to experience what that relationship would truly look like.  To begin, we’ll collect a basic amount of financial data from you so that we can show you what our process and recommendations might look like for your actual situation. 
  3. Decision: Once you’ve had the opportunity to digest our initial recommendations and plan, you’ll have the opportunity to decline our services or, hopefully, agree to commit to a relationship.  At this point, we’ll work with you to gather a comprehensive, 100% view of your financial life in order to create your thorough financial plan.
  4. Analysis II - Deep Data: Following the collection and processing of your complete financial data, we’ll sit back down with you to finalize and complete our initial plan and recommendations.  As with every stage of the planning process, we are dedicated to answering all your questions and addressing any concerns you may have.  A plan isn’t worth a dime to you if it’s not something you are able and willing act on.
  5. Implementation: Exact plans and how they are implemented can vary greatly from client to client.  Without fail, though, every plan is a living organism because life happens.  Financial emergencies occur.  Windfalls come.  Stock markets crash.  Tax laws change.  For these reasons and more, we don’t just give you a plan and send you along.  Instead, we commit to working with you for the long-term, reviewing your plan and your progress on an annual basis, at a minimum, to ensure it remains optimized to meet your retirement goals.

If you would like more information regarding our financial planning services, or if you would like to schedule some time to discuss your particular situation, simply contact us today.

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