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Our client experience is based on looking at things in a holistic manner and helping clients create true financial balance, now and for the rest of their lives. For some people just starting out or trying to solve a specific problem, its a bit overkill and that’s why we offer coaching. However, our expertise lays in delivering Comprehensive Financial Design.

Here’s how it works…

We believe the best way to get the most life out of your money is to…

  • Take a wide angle view of your money,
  • Follow some simple rules and goals
  • Roll with the punches
  • Re-evaluate and update regularly

We give families the Tools, Education, Direction, and Accountability to easiest adhere to that philosophy. 

Our Spreadsheet is a portal between you and us. A wide angle view of your finances at the click of a mouse or touch of a finger. Because nothing is linked and no specific information (account #’s, passwords, ect…) is involved, there is nothing to steal and completely safe.

 We’ve also made it easy to contact us, so we’re always a short message away.

Our ScoreCard is what we use to help get you balanced, and keep you balanced by regularly reviewing and updating.

INTRODUCTION — We start with an opening interview to make sure we’re a good fit for you, and you’re a good fit for us. During this time we discuss any problems or questions you may have, as well as introduce you to our process.
GOALS & DATA — If we ‘ve decided to work together, the next step is finding out where you are now and where you want to go. We take everything meaningful into consideration to get a big picture view of your life, your dreams, and your money. This is helpful to the client as you can see your finances as you never have before, and allows us to move forward with the greatest efficiency so we can do our best work.
PROTECTION — Once we have you organized and ready to go, we start by looking over your protection. We have a 12 point inspection of your insurance and legal documents, looking for inefficiencies and/or significant gaps in coverage. This allows us to factor in any foreseen changes when we move on to Cash Flow.
CASH FLOW — Cash Flow is arguably the most important step. We measure exactly where your money is going to see exactly what you’re getting out of it. This way we can do more of what is working, less of what is not, and address any problems or inefficiencies. So you can begin to get the most out of your money.

BENEFITS & ASSETS — From there we look at all of your benefits and assets: 401k, Pension, Deferred Comp, DROP, 403b, PERS, PLOP, etc… We measure how well what you are currently doing is working for you, and how that compares to where you ultimately want to be.

DESIGN — Next is the design phase. We look at all of your options and help you design a strategy with clear action steps that will best get you from where you are today, to where you want to be, while wringing the most LIFE out of your money day-to-day.
MOVING FORWARD —  We help you stick with your strategy. We check in every 2-3 months and see how things are going, and meet at least once per year. However, we want our clients to get the most out of their money, so we encourage sitting down with us to help you take a look at how any financial decision you are going to make will impact your money as a whole. From buying a house, car, or boat to shopping your car insurance, we are here for you to use our tools to help you make the best decision for you.  So you can get the most life out of your money.
  • Your Deferred Comp, Drop, and pension decisions all proactively coordinated with your spouse’s benefits and other financial pieces to benefit you not just at and through retirement, but as you work as well.
  • More efficient deployment of cash flow.
  • Substantially better protection and many times large holes are filled. The fear is that to increase protection, costs will increase. Often we can improve protection without additional cash flow outlay.
  • More wealth accumulation & much much better distribution of that wealth.
  • Typically with lower taxes & usually with less risk.
  • Organized and confident like never before. Our high touch, high tech system helps you always be on top of it.