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Life By Design Process

Our Life By Design™ process consists of designing, creating and monitoring your financial plan by starting with three very important ingredients:

  • One of our experienced team of professionals will work one-on-one with you.
  • Our state of the art technology which allows us to analyze, consolidate, organize, design and track your plan.
  • Our local and national network of outside expert professionals such as attorneys, accountants and appraisers, with whom when appropriate, we will recommend they become part of the solution for your success.
  • Step 1 Guided Discovery

    In a one-on-one meeting we will listen to your goals and concerns, conduct guided fact gathering, and explore your financial priorities.


  • Step 2 Input & Analysis

    We will perform the heavy lifting of bringing together the various pieces of your financial life, analyze them for gaps, and then formulate your complete plan.


  • Step 3 Define & Design

    Clarify your values and goals – Together we focus in on discovering your values and goals, ensuring that they are the driving force of your financial plan.


  • Step 4 Develop Your Personal Success Strategy

    We carefully craft a plan that is unique to you, covering many aspects of planning such as: retirement, estate, investment, insurance, tax, education planning, and even special projects.


  • Step 5 Implement Your Personal Success Strategy

    We come together to make final strategy decisions, implement insurance solutions and execute investment strategies.


  • Step 6 Continuous Review

    We will oversee your plan on a continual basis, monitoring your investments for needed adjustments and changes. Each quarter we will conduct a broad review of your financial plan. Once a year we meet for an annual review to update your financial plan focusing on your Life By Design TM.


  • Life By DesignTM
    10 Point Annual Review Checklist

    1.) Check in:Any lifestyle changes last year or projected in the next year? What could we change or do to make our relationship better?
    2.) Net WorthUpdate this year and compare to past statements.
    3.) IncomeVerify current and projected income sources.
    4.) Cost of LivingVerify your monthly income need.
    5.) TaxesReview most recent tax return.
    6.) Measure your ProgressUpdate your “Financial Independence” Chart to measure your progress.
    7.) Last Year’s ActionsReview last year’s “to do” list for both you and your advisor.
    8.) LegalReview the date of your last will or trust and gather required information or changes regarding your beneficiaries.
    9.) InvestmentsDiscuss minor investment changes if needed, or schedule a meeting to discuss in more detail.
    10.) Written SummaryA written summary of this Annual Review meeting will be mailed to you.