Our Process

Our first two meetings are always complimentary.

Our first meeting is typically fairly casual and lighthearted as we get to know you on a personal level and learn which areas of your financial life may need our assistance. We hope to build an understanding of how your past experiences have shaped your view of investing and retirement planning.

After gathering your relevant information, we build what we refer to as an “Initial Case Analysis”.

Our second meeting is to review and explain your complimentary Initial Case Analysis. Our advisors will highlight the strengths and weaknesses of your financial life as it currently stands. The Initial Case Analysis will walk you through your net worth statement, discuss potential pitfalls and planning opportunities, and touch on how we may be able to improve your situation. If you are in or nearing retirement, we will present current retirement projections and discuss potential adjustments we feel are in your best interest.

Our team does not believe in high-pressure sales tactics and wants your decision to engage us to be made on your terms. Below is a more detailed look at the ongoing financial plannning process.

Our Process.png

Phase I: Discovery

We begin this stage during our initial meeting where we get to know one another. We focus on what your specific needs are and what you want your investment capital to do for you.

Phase II: Strategy

The primary objective of this stage is to develop an effective, long-term investment strategy that is custom-tailored to the unique needs of each client. We then develop a comprehensive plan that outlines the strategy we recommend for long-term success.

Phase III: Implementation

The primary objective of this phase is to successfully implement your investment strategy. By means of constant communication and a highly skilled staff, we strive to make this process quick and easy for you.

Phase IV: Monitoring & Adjusting

We monitor our clients' accounts on a regular basis to ensure they are still performing in a way that meets their intention. When we discover that a client’s circumstances have changed, or that shifting global markets require a different investing approach, we are quick to make adjustments.

Frequently Asked Questions

What is a fiduciary and what is the importance of the term?


A fiduciary is, "One who acts in utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client." - CFP Board Not all financial advisors are fiduciaries. Whether or not an advisor is a fiduciary determines whose interests take priority; the advisor's or client's. Fiduciaries are legally obligated to act in the best interest of their clients.




Why should I use a financial planner?


In our opinion, the financial planning profession exists because of the many complex financial decisions that individuals and families face. A competent advisor can help guide you through certain tax and financial planning opportunities that may be challenging to recognize. These opportunities, when paired with a sound investment plan, can lead to a peace of mind that may be difficult to achieve without the help of a professional.




How many meetings should I expect to have before becoming a client?


On average we meet with prospective clients four to six times before a decision is made. Before proposing a plan, we want to ensure that we have a complete understanding of your financial situation, your expectations, and that we are the right fit for one another.




How long will it take my accounts to transfer to Oceanside?


TD Ameritrade Clearing, Inc. (“TD Ameritrade”) is the firm that we use to custody our client assets. It typically takes 3-14 days once the paperwork is submitted.




How do I become a client?


You can get started here.




What does CFP® mean? What does CFA mean?


These are both gold-standard designations in the financial industry. Below are excerpts from the websites of the Certified Financial Planner™ Board and the Chartered Financial Analyst Institute that elaborate on these credentials. "Although many professionals may call themselves "financial planners," CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand the complexities of the changing financial climate and know how to make recommendations in your best interest." - CFP Board "CFA charterholders are trained to understand what drives value in all dimensions of your financial life. They have mastered more than just the art and science of securities analysis and asset allocation. They also have expert-level portfolio management skills and the ability to work effectively with tax and intergenerational wealth planning experts to design an investment strategy specific to your objectives." - CFA Institute





We Would Love to Hear From You!

Whether you are looking for a new advisor, would like to hear about our 401(k) plan solutions, or would just like some more information, please send us a message below.

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