Next Steps

Every client begins with a personal financial plan. This involves an exhaustive look at all investments, insurance, pension plans, budgeting and estate planning issues.

We develop a “step by step plan of action” to give clients the highest probability of achieving all their goals for the reasons that are important to them. Clients who fit our “on-going client profiles” (see “Individuals” and “High Net Worth Individuals and Small-Business Owners”) begin an on-going relationship with us that involves regular discussion (in person and by phone/email) to:

• monitor and rebalance investment assets prudently invested in low-cost, high quality mutual funds. We use Dimensional Fund Advisors funds for our clients.
• updating insurance needs
• annual tax projection work and tax filing by our team CPA
• periodic review of other financial planning issues – be it decisions about retirement dates, mortgage refinancing, second home purchases, gifting to family members, etc.