It’s your life. If you don’t plan for it, who will?
A Personalized Financial Game Plan for Professionals and their Families
It’s time to think differently about your money.
If you’ve ever wondered, “Is there anything else I should be doing to be smarter with my money?” we can help!
Whether you’re looking to improve your cash flow and pay off debt or you want to plan for the long-term knowing you’re putting your lazy money to work for your long-term financial freedom, we’ll make sure you’re checking all the right boxes and not missing a single opportunity to be smarter with your money.
Ready. Set. Financial Plan.
Here are some Great Reasons to Get Started.
Why don’t they teach this stuff in school? By providing useful information as part of the Financial Planning process, not only will you have solid financial information to work from, you’ll also understand how to use it to put your lazy money to work to make progress.
We’ll help you get really savvy about all things money. You can expect us to discuss spending habits, financial goals, debt, saving and investing, risk, taxes and pretty much anything relevant to your money situation.
Personal finances are, well, personal. Your Financial Plan is completely personalized to you and your life. No two plans are alike. We’ll work together to build a financial game plan for you, your family, your lifestyle and your finances.
How it Works.
In Three Simple Steps.
Whether you’re starting from scratch or coming to us with some level of financial planning or strategy in place, together, we’ll address every aspect of your financial life in these three steps.
1. Where You’re At
What’s your starting point? We take a look at your current financial situation. What does your lifestyle look like today, how and where do you spend your money and what, if anything, have you done to save for the future. Don’t worry, we’ve seen it all. We will discuss what you’re doing right and what you could be doing better. Also, we show you when you’re going to be a millionaire (spoiler alert: it doesn’t happen by winging it).
2. Where You Want To Be
It’s true, too much cash in the bank is doing you no favours but neither is investing without a plan (a.k.a. stock picking). Let’s define your goals. It’s important to think about what you need, want and wish for. With some concrete goals in place, we can begin discussing your options and how to use your money in the most optimal way to help you reach your goals faster and in the safest possible way.
3. Your Financial Plan
Together, we review every investment statement, employer benefit, and retirement contribution to date. At our game plan meeting, we will walk you through your very own personalized savings and investing strategy built around your lifestyle. Whether your goals are short-, mid- or long-term, you’ll have a comprehensive financial game plan designed to help you make progress.
Get Started With
Your Financial Plan
Getting up close and personal with your financial life is essential and we’re here to help you do just that.
Whether you’re looking to improve your cash flow and pay off debt or you want to plan for the long-term and put your lazy money to work, we’ll help make sure you’re checking all the right boxes and not missing a single opportunity to be smarter with your money.
The Financial Planning Process
Phase 1. Discovery
Initial call. We clarify that Financial Planning with us is a fit for you.
Intake questions. After our initial call, we send you an intake questionnaire. You take the time to answer questions about where you’re at and gather your financial documents. You return this information to us no later than 48 hours before we meet for a clarifying meeting.
Clarifying meeting. We’ve reviewed the information you’ve sent us and we meet at our offices to get to know each other. We gain clarity about what your expectations are and the information you shared with us. We gather your financial documents, discuss your goals and what’s important to you to make progress with your finances.
Phase 2. Develop
The Financial Planning Strategy meeting. After about 2 to 3 weeks and more than 10 to 15 hours of working on your finances, we meet again to share with you your financial strategy. We highlight what you’re doing well and what you could be doing better. You’ll know exactly what you have to do to make progress with your finances.
Phase 3. Decide
Action meeting. After another 2 to 3 weeks we meet again to answer your questions. Getting up close and personal with your finances is essential so no question is a dumb question. We decide on the one or two priorities that are most important for you to make progress. You now shift from planning into action by implementing the strategies that will help you make progress.
Celebrate! Congratulations. You’ve done a lot of work. It’s time to say congratulations and celebrate this important milestone. Hooray!
Phase 4. Dialogue
Wealth Management. You’ve completed the Financial Planning process and you’d like us to help you bring your plan to life. Our Wealth Management is a full-service collaborative wealth management experience for professionals and their families who want year-round access to professional advice and guidance.
With Wealth Management, we help you bring your plan to life. We are available to answer any questions that come up throughout the year. We will check in on you from time to time and give you a heads-up if there’s anything you need to be thinking about. Each year, we’ll touch base on the big picture and recalibrate your Lifestyle Financial Plan as needed.
Don’t just take it from us, read some kind words from people who work with us!
Personalized touch. Good advice. Having a person I can trust in my back pocket for life changes and questions. So much of finance is about mindset. I love how Lynn goes deep in our sessions to help me see what’s possible for my future. Lynn’s the best.Jaeny
When Lynn makes recommendations on investments and insurance products for me and my family, I know it’s because she is focused on doing the right thing for ME. I trust her. She takes care of me. I wouldn’t work with anybody else. Thank you, Lynn.Sean
Frequently Asked Questions
Do you have a minimum investment amount?
We have no minimum investment amount. Someone in their 30’s, 40’s or 50’s with a reasonably high income could greatly benefit from financial advice and has the ability to pay for it. We don’t turn people away simply because they have few assets to manage. Many even have assets in a home or an investment property, but would be turned away from an advisor with a minimum asset requirement because the advisor cannot manage those assets. We believe that anyone who has a need for financial planning and is willing to pay for professional advice should have access to a high-quality, fiduciary advisor, regardless of how many assets they have.
Why do you charge a fee for financial planning?
Most people’s goals do not involve increasing the assets held by their financial advisor. Certainly, you want to see a positive return on your investments, but your actual goals have much more to do with things like enjoying your lifestyle, feeling financially secure and confident with your financial decisions. For example, you may have a goal to become debt free. While there can be pros and cons to using investment assets to pay off debt, deciding if it is the right move for you should only involve the effects on you, both financially and emotionally. However, advisors who charge only commission or fees for assets held have a conflict if you want to remove assets to pay off debt. Conflicts also arise when your investment advisor is with a large lending institution where your mortgage is held. These advisors have no interest in helping you become debt free by liquidating assets when their employer holds your mortgage. Your financial plan should involve all aspects of your financial life – cash flow, debt, saving, investing and risk. By charging a one-time fee to put your comprehensive financial lifestyle plan in place you know that all aspects of your plan will be considered and the recommendations will truly be in your best interest.
Don't Be Shy
If we didn’t answer all of your questions, feel free to drop us a line anytime.