Your Comprehensive Financial Plan:

Establish Goals - Long and Short Term Accumulation Targets / Income / Preservation of Capital
Evaluate Elements of Client Risk Tolerance and Relate to Goals - Portfolio Size / Time Horizon / Income Need / Psychology
Establish Allocation Plan / Diversify / Select Investments and Managers / Rebalance - Maximize Return based on Client’s Ability to Assume and Accept Risk • Balance Income and Growth to Achieve Client Goals
Strive for Portfolio Tax and Cost Efficiency - Low Portfolio Turnover / Tax Loss Harvesting / Tax-Deferred Accounts / Low Portfolio Management Costs / Minimize Transaction Costs

Establish Goals and Objectives - Short and Long Term Savings / Emergencies / College / Retirement / Other / Time Horizon for Each Need / Net Worth and Desire to Gift / Transfer Wealth to Heirs
Identify Unique Challenges and Opportunities - Special Needs / Early Retirement / Life Events
Establish a Comprehensive Financial Plan to Meet Goals and Objectives - Cash Flow / Debt / Tax Management / Risk Management (Insurance) - Life and Disability / Property and Casualty / Health / Medicare / College / Retirement / Estate Planning
Implement - Periodically Review and Update the Plan