Five Step Process

Over the past several years we have come to realize that our clients needed more than the industry was currently offering.  We and our clients had become dissatisfied with the big brokerage firms and banks because of their aggressive sales culture and their focus on maximizing profits at the expense of the clients.

We have adopted a more ‘Client-Centered’ approach.  Now, instead of focusing only on our clients financial assets, we look at their wealth as a resource to support them as they prudently pursue their dreams.  We have improved and simplified our entire discovery, planning and recommendation process and added a unique element that clients love.  What we were missing was a focus on helping them utilize all of their assets to create the highest quality-of-life possible, and most importantly, to help them achieve their dreams and aspirations.  Our ‘Optimum Wealth and Life Strategies’ process breaks down into the following five steps:

  The First Step is a ‘Vision Session’ which gets clients defining their preferred future, without a positive vision of the future, people tend to face their future with fearful apprehension instead of positive anticipation.  With this we can help clients turn their ‘visions’ into reality.

  In Step Two, our goal is to see how close we can get to the ‘Positive Vision.’ Using interactive and highly visual Financial Planning Software, we can turn numbers into easy-to-understand graphs.  “If a picture is worth a thousand words, a full-color graph must be worth a million numbers.”  With this we are able to establish each client’s financial and life goals, which are based on dollars, dates and deadlines.  Research has shown that to optimize each person’s retirement, we must start with a positive vision and then develop financial and timing goals that support that vision.

  In Step Three our team develops a simple Action Plan and Implementation Schedule for each client.  We keep it as short as possible to avoid information overload.  The plan recommends specific life and financial strategies required to turn each client’s positive vision into reality.

  Once the plan is complete, it’s time to move to Step Four, which is to implement the Action Plan.  This can take several hours or several years, depending on the client’s situation and needs. 

  Now to Step Five, that never ends.  We call it the ‘Review, Coach and Adjust’ step.  During this process we review your progress; check to make sure your “Vision” hasn’t changed; make adjustments as necessary.  Each of these meetings is structured around checklist to make sure the important issues are covered.