Our Process

A strong planning process is the best way to create a financial plan. It is crucial to create a financial plan that protects your needs now, and your plans for the future, in a tax efficient manner. It is my goal to assist you to build a solid financial structure that will stand the test of time, through both good and bad markets, and that may grow and build wealth for you and your family.

I have established a process to do this that is based on two key aspects of financial security: asset protection and wealth creation. A plan must ensure financial security throughout your life, for you and for your loved ones. It must provide income replacement and asset protection in the event that the unthinkable were to happen: disability, critical illness or death. The plan must also aim to build the maximum it can via a solid, tax efficient wealth portfolio. Incorporating Social Security (and pensions, if any) to maximize your income potential is also key.

With these goals in mind, we will work together to assess your total planning needs. We will consider important milestones such as major purchases, marriage, children, education, dreams and retirement. This plan will entail regular review of ongoing financial management strategies.

This goal-based planning approach is designed to help you:

  • Define customized short and long-term goals that ensure you choose only the right financial products and services
  • Identify roadblocks or gaps that might impact your financial planning strategy
  • Continually monitor your plan to ensure it meets your changing needs.

Best Financial Planning Process for You | Better Financial Education

Metaphor: Most people concentrate on the strands (investments) that make up a cable and completely ignore why they need the cable in the first place ... to hold up the bridge! And that structure should be designed, not just for the fair weather, but also for the worst of weather.




What is Financial Planning?

Financial planning is about more than preparing for retirement. It’s about working to achieve short- and long-term goals, desires and aspirations, and helping protect the most important things in your life. Investing without a plan results in having no method how to measure progress or knowing when you reached your goal.

As a Financial Advisor, I will work with you to create a plan that is flexible enough to meet your changing needs. Implementation of the plan is key to the plan too.

The first steps to achieving financial security is creating a strong financial strategy. We will work together to prepare a plan that helps you:

  • Prepare for a secure, comfortable retirement (defined as work is optional)
  • Proactively manage and control debt, from major purchases to preparing for a child’s post-secondary education
  • Provide for your loved ones or heirs in the event of death, disability or critical illness.
  • And those goals and aspirations that are unique to you and your situation.

The difference between planning and investing

Most people thinking planning IS investing ... they are different! Here's my blog post that describes the difference based on my experience as a pilot in the Air Force developing a flight plan and then flying it. Pilots don't take off and then develop their flight plan while in flight - how much fuel would they need? What are alternate options when things don't go according to plan? 


Why do I call my firm "Better Financial Education?" A plan needs to involve a better understanding on your part what you are trying to do as well as how your resources will do that ... it is more than simply investing, but investing with a purpose you define. Without that basic understanding, you're simply flying blindInvesting IS different than having a plan!


Yes, once we know why you are investing, then we will also talk about how to invest.

My short YouTube video with very brief description of what I may for you.


You may go here to go further Below the Surface for more details.


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Contact us today to find out more about my financial planning process and learn how a sound plan can help you achieve your goals