Our Process

For most of us, achieving financial comfort, taking care of family, planning for a secure retirement, mitigating taxes, making sure children (or grandchildren) get an education and building a legacy are all extremely important. But many of us feel unprepared and ill-equipped to deal with all of them in a coordinated, knowledgeable way. Our comprehensive advisory process is designed to uncover what is most important to you, personally and financially, in order to put together the best possible long-term plan.

We do this through a thoughtful and consultative three-step approach:



One of the most important components of any successful advisory relationship is truly understanding who you are. Your life is unique, so your plan should be too. Our collaborative approach centers on your future and is intended to help you gain greater clarity on your life goals and challenges. To do this, we will focus together on a number of important areas:

  • Today

    What are your top priorities and goals?

  • Future

    What plans have you made for the future? What values impact your views about the future?

  • Concerns

    What financial issues keep you up at night? What are the biggest financial mistakes you’ve made or avoided?

Once we have designed your plan based on what matters most to you, it is time to build it.



For most of us, investing is what makes it possible to achieve our lifetime goals. That is why we want to gather as much information on your side as possible. Our process incorporates the research of many great thinkers and economists, including pioneers in behavioral finance and 11 Nobel laureates. Decades of research show how you may be able to increase your probability for long-term success: Find the right portfolio allocation between stocks and bonds. Diversify among international and U.S. stocks to help manage the volatility of your returns over time. If appropriate for your situation, potentially increase your returns by investing in riskier companies, including small and value companies.


Keeping your plan on track may be the most challenging — and the most important — part of being a long-term investor. There are several ways we work together to help you achieve your goals: Rebalancing your portfolio to keep it in line with your risk tolerance, Provide you with ongoing education and guidance to keep emotions in check. Keeping pace with any changes in your life or goals through ongoing rediscovery. Continuously assessing your progress toward meeting your objectives.