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Client First Model

Client First Model

 Access to ongoing advice and educational events to serve your financial mindset and plans. Accountability, reminders and help implementing your plan.  

Basic Financial Planning Deliverables 

All clients will receive recommendations on the eight areas listed below 

  • Cash Strategy
  • Investment Strategy 
  • Insurance and Benefits Strategy 
  • Tax Strategies 
  • Estate Planning and Account Titling Strategy 
  • Financial Organization and Personal Online Financial Management Platform 
  • Behavioral coaching, accountability, reminders and nudges to help you get to the next step on your check list of financial planning todos.


Advanced Financial Planning Deliverables 

Depending your goals and objectives some of the follow deliverables could be part of your plan

  • Progress reports and regularly updated net worth statements 
  • Retirement Income 
  • Alternative Investment
  • Tax Managed Investment
  • College Savings 
  • Student Loan Repayment  
  • Financial planning for a major purchase (home purchase, vacation, business etc.) 
  • Financial Independence Retire Early (FIRE) Strategies 
  • Legacy Planning 
  • Longevity Planning 
  • Special Needs Planning 
  • Financial Planning for Business Owners 
  • Financial Exit Strategies for Business Owners 
  • Retirement Plan selection (401k, SIMPLE IRA, Deferred Compensation, SEP IRA etc.) 
  • Funding Buy-Sell Agreements
Schedule No Obligation Meeting to Learn More

We believe in advice first model.  To work in your best interests as a fiduciary we need to build a financial plan together.  Your financial plan will inform us of our possibilities, challenges, opportunities and help us identify strategies and decision points to provide your plan with the most value.

Why are we so excited about financial planning?  Why do we go through our process with all of our clients?  

1). What is emotionally relevant, important and possible to you and your family is unique.  We want to understand you and be of service to your journey and your story and if we cannot do so help you find others who can.  

2). The largest financial decisions of your life have little or nothing to do with investment strategies and insurance strategies. 

3). Our first job is to listen to you and ask great questions.  Doing so empowers our clients with prospective, ideas, concepts, processes, realistic expectations, identification of risk, identification of purpose and priorities.  These are of great value in helping you make more informed financial decisions. 

4). We feel it is unprofessional to make recommendations on financial strategies, investment and insurance strategies without a financial plan as there are lots of decisions and choices that might be far better for you to pursue.


A few examples of financial decisions we help our clients make: 

Moving, evaluating job offers and employee benefit options, buying a house.

Getting married, combining finances, starting a family, picking family health insurance. 

Starting a business, switching careers, preparing for a year off or planning for financial independence retire early (FIRE) 

Retirement Planning, retirement income planning 

Financial planning for kids, daycare/nanny, saving for higher education, life experiences.

Planning for divorce, planning after a divorce

Financial organization to transition financial decisions and control from one spouse to another due to failing health 

Understanding basic tax strategies and questions to review with your accountant.  

Understanding stock options, non-qualified deferred compensation 

Understanding estate planning documents to support your financial plan. 

Understanding how working with a tax-professional can support your financial plan.  


The majority of "Financial Advisors" are compensated as sales professions.  They get paid to sell you insurance or manage your money.  Not to give you advice.  They frequently work with captive product based firms with lots of conflicts of interests that prevent their advisors from doing the work required to deliver additional value taking into account the financial planning process, financial planning agreements and all the marketplace has to offer.