Our Ten Client Deliverables

1. Financial Roadmap: A complete and thorough annual update of your Financial Roadmap (focus on client values, goals, and benchmarking of progress)

• Annual Financial Plan Internal Backoffice Deliverables:
  • Updated Golden Years Projection – Chief of Planning
  • Written Plan for Cash Reserves – Chief of Planning
  • Written Plan For each individual financial asset – Trusted Advisor
  • Written Plan for each goal – Chief of Planning
  • Written Plan for estate – Chief of Planning
  • Written Plan for the right kinds and amounts of all insurance – Trusted Advisor

2. Implementation Plan: Delivery of your updated Implementation Plan annually summarizing your financial plan into a simple chronological list of action steps required to create the greatest probability that you will stay on-track with your financial plan over the years.

3. Progress Reports: Delivery of a quarterly progress report to you. This simple summary of your assets is designed to show you the progress you are making benchmarked against the goals you have set for yourself.

4. Growth Assets: Two "Asset Structure and Strategy" discussions with you annually. The goal of this discussion is to give you the "big picture" about your financial situation, give you a summary of the strategy going forward and also to review your Implementation Plan with you.

5. Income Tax Planning: During the last two months of each year we will do serious income tax planning for you with two objectives in Mind: Seek ways to reduce taxes, and… Make sure there are no "surprises" come next April.

6. Income Tax Preparation: During the first quarter of each year we will prepare your tax return for you.

7. Estate: Once every five years we will review and update your Estate Plan with the objective of:

• Establishing a plan for your money to make it into the next generation and to survive beyond that, and…
• Create a structure that will bring your heirs closer together, as opposed to many Estate Plans which create animosity and conflicts about the money after you’re gone.

8. Goals: We commit to contacting you proactively prior to every goal date you have established to give you the "game plan" for the accomplishment of each of your goals.

9. Cash and Debt Management: We work with you to establish adequate cash reserves to handle financial issues that come up in life. This involves establishing a debt elimination plan as well as major purchase assistance. For example, when it’s time to buy a car, we want to help make sure you get a good deal on the price and we will make a recommendation as to the smartest way to pay for it. Buying or refinancing a house or any other major purchase would trigger additional help from us.

10. Insurance Review: Review every kind of insurance and 1. Recommend the right kinds & amounts of insurance, 2. Be sure there are no "coverage gaps" which might endanger the financial plan, and 3. See what, if anything, can be done to reduce premiums for the clients.