The Process I follow a process to ensure we have a disciplined approach to financial management. I try to avoid emotional reactions that can be sparked by the inevitable ups and downs of economic cycles during our lifetimes. My process creates a comprehensive, rational action plan for you based on the facts of your financial situation, but focused on achieving deeply-felt and important life goals for you and your loved ones. Step 1: DiscoverIn the first step, I want to learn what you hope to accomplish. I want to understand your tolerance for risk, your stage in life, and your experience with different types of investments. I gather information on your complete balance sheet of assets and debts to form a starting point on this journey.Step 2: AlignIn the alignment phase, I evaluate the current distribution of your assets among the various financial products available to you (cash funds, insurance, investment portfolio, real estate, limited partnerships, etc.) and make recommendations on re-balancing your allocations based on your situation, goals, and risk profile.Step 3: DesignOnce I fully understand your situation and have re-balanced your current distributions, I construct a well-diversified investment portfolio for you. I contact your other key advisors as appropriate and determine the best mix of services to round out your holdings. The final plan is presented to you for input and approval.Step 4: ImplementOnce the recommended plan receives your input and approval, I begin the implementation phase of our process. I begin building your portfolio, placing funds in the various investments and transferring any assets to be moved.Step 5: ManageOnce your portfolio is set up, I will monitor your assets and make adjustemnts as needed to stay on course with your overall plan. As your steward, I am focused on watching over and taking care of your assets, so you can feel confident you are progressing steadily towards your goals, year after year.