Certified Financial Planning

We begin the financial planning process with a 3-hour Fact-Finding Session, the most important step of our advisory process. We use a highly effective, deep-dive mind mapping method to accomplish this. We use the Fact-Finding Session as an opportunity for our San Diego financial advisors to learn about your long-term goals when it comes to your retirement planning, financial relationships, assets and debts, and your current and expected budgetary needs.

By now, we have a clear understanding of what you are trying to accomplish and what your current financial life looks like. We have an exhaustive internal planning workflow we adhere to, including several drafts of alternative scenarios we build out for our clients. We take into consideration tax status by year, portfolio balances, passive income strategies, and asset allocation throughout the years. If required, we will reach out to our clients for further clarification and idea generation.

Once we have drafted the financial plan, we will schedule a date to review. We will review your current financial status, our recommended course of action, plus alternative scenarios considered.

After a course of action has been agreed upon, we will begin to execute on those plans. One of the primary duties a financial advisor has is to ensure that his/her clients is to stay on track. As such, we reach out to our clients multiple times per year to schedule a review session to see how things are progressing, If needed, we need to adjust the client’s plan as the facts change. Of course, a financial plan is a living document and it will need to be updated as time passes and as life takes its unexpected course.