The Mountain Approach
Assess the Mountain
Prepare for the Journey
MakE the Climb
Stay on the Right Path
Step 1: Assess the Mountain
The introduction meeting. You will meet with one of our financial advisors to hear about who we are, what we believe about investing, financial planning, insurance, and estate planning. It is also an opportunity for us to listen and learn about who you are, your goals, and if we can be of service to you. This complimentary meeting aims to provide you and us an opportunity to determine if we are a good fit for one another.
Step 2: Prepare for the Journey
Step two involves presenting you with a financial plan and discussing in practical terms how your goals can be achieved. We also review other aspects of your finances, such as cash flow analysis, insurance needs, and estate planning. There are two types of financial plans our financial advisors prepare:
1. 50 Plus Plan: Provides you with answers to questions such as
How much can I afford to spend in retirement?
How long will the money last – Will I be okay?
2. Under 50 Plan: Considers key wealth management factors including:
How much should I be saving for retirement?
Am I investing in an efficient manner?
Am I maximizing every dollar that I earn towards debt management, savings, and risk management?
Step 3: Make the Climb
Our financial advisors prepare a customized investment proposal that is designed to meet your financial goals. We assess your risk tolerance and based on your goals, we select world-class investment managers and/or low-cost ETF solutions. We also implement any other financial planning goals, such as automatic saving deposits, tax-planning strategies, and potential insurance needs.
Step 4: Stay on the Right Path
We conduct annual or semi-annual meetings where we review and monitor your financial situation to ensure you continue to achieve your goals. Our financial advisors discuss economics, review your investments, and determine if any changes are required. Life is always changing, and we want to ensure that we are there to help you when your finances do as well.