Building The Plan

Getting Started

In order to develop a plan that will meet your financial goals, it is important that we understand your entire financial situation. We'll begin by reviewing documents and information relating to your finances including:

• account statements
• tax returns
• mortgage statements
• social security benefits
• other sources of income
• benefits
• insurance

developing the plan

Based on our discovery, we will present you with an initial Financial Analysis that provides an overview of your current financial situation. This is your benchmark for moving forward with your financial plan. The Financial Analysis includes:

• balance sheet
• income statement
• cash flow statement
• retirement projections
• estate disposition
• insurance, investment and sensitivity analysis

From discussions with you about your current financial situation, and your goals, we will discuss your willingness and ability to accept risk, liquidity needs, tax situation and any legal issues. We then develop an investment strategy to achieve your financial goals.

Implementation

We establish accounts for you through independent custodians. For those assets that cannot be moved, such as 401(k), 403(b), or insurance products, we work with you to select the best options to complement your overall strategy.

Our investment discipline advocates a "Margin of Safety" with all investing, based on the teachings of Ben Graham (Warren Buffet's teacher). Unlike most large wealth management firms, we measure the success of your portfolio on how well it is achieving your financial goals, as opposed to how well it stacks up against some arbitrary index.

Our sole focus is investing your portfolio to achieve the highest probability of meeting your long-term financial goals.