Process & Experience

Planning That Evolves With You

Al and his team have a unique on-boarding and ongoing advisory planning that starts immediately after being on-boarded. His ongoing advisory model consists of three calendar based meetings plus event driven meetings. The purpose of the calendar based meetings are to monitor your planning and proactively take advantage of opportunities for improvement within 3-5 hours, annually. A lot of financial planning is common sense and our goal is to educate you on the facts so that you can make the right decisions from a position of empowerment and confidence.

1

ANNUAL STRATEGIC PLANNING
FEBRUARY

2

RISK MANAGEMENT PLANNING
JUNE

3

INVESTMENT & YEAR-END TAX PLANNING
OCTOBER

*Financial plan recommendations can be implemented with the advisor of your choosing.  Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

Our Seven Financial Focus Areas

  • 1. Retirement Planning

    Define what financial independence truly looks like for you. Whether that means retiring early or having the freedom to choose how you spend your time, we help you understand where you stand today, how much you will need, and the most efficient path to get there so work becomes a choice, not a necessity.

  • 2. Short & Mid-Term Goal Planning

    From building cash reserves to purchasing real estate or funding future opportunities for your family, we bring structure to your goals. Together, we map out what each objective will cost, when you will need the funds, and the most effective strategy to achieve them, factoring in inflation and changing priorities.

  • 3. Tax Planning

    It is not just about what you pay in taxes today. It is about how you are positioned for the future. We design strategies to minimize lifetime tax exposure, helping you keep more of what you earn. For business owners, this includes structuring income and investments in the most tax-efficient way through your business.

  • 4. Protection Planning

    Your financial plan is built on your ability to earn. We help protect that foundation. By evaluating your current coverage, including life, disability, and long-term care, we ensure you and your family are protected in the event of the unexpected and that your coverage aligns with what you would actually need.

  • 5. Cash Flow Planning

    We help you make the most of your income today while building for tomorrow. By optimizing how your dollars are allocated, we create a strategy that balances spending, saving, and investing while identifying opportunities created by future income growth or reduced expenses.

  • 6. Estate Planning

    Your plan should extend beyond your lifetime. We work alongside your legal professionals to ensure your estate plan, including wills, trusts, guardianship, and healthcare directives, is fully integrated with your investments, insurance, and tax strategy so your intentions are carried out seamlessly.

  • 7. Business Planning

    For our business owner clients, your business is typically the largest asset on your balance sheet. As a result, it’s vitally important to align with your personal, tax and estate planning.

    We focus on protecting and maximizing the value of your business through three key areas:

    Business Security Planning
    Protecting your business through key person coverage, long term disability for the owner(s) and buy-sell agreements.

    Personal Security Planning
    Leveraging your business to fund your personal financial goals in the most tax efficient manner through your business asset.

    Company Security Planning
    Designing benefits and compensation structures that help attract, retain, and reward your most valuable asset, your people.