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How We Do It

Financial planning means different things to different people. Age, income, family status and business situations all play a role in your personal plan, but all financial plans have one thing in common – a process. The process starts with carefully thought out goals and your personal values.

The Certified Financial Planner Board of Standards, Inc. identifies six steps in the planning process:

  • Establishing and defining the client-planner relationship.
  • Gathering client data, including goals.
  • Analyzing and evaluating your financial status.
  • Developing and presenting financial planning recommendations and/or alternatives.
  • Implementing the financial planning recommendations.
  • Monitoring the financial planning recommendations

Code of Ethics and Professional Responsibility - These Principles are general statements expressing the ethical and professional ideals that we employ in our business.

  • Integrity~ Integrity demands honesty and candor which must not be subordinated to personal gain and advantage.
  • Objectivity~ Objectivity requires intellectual honesty and impartiality.
  • Competence~ Competence means attaining, maintaining and applying an adequate level of knowledge and skill in providing services to clients.
  • Fairness~ Fairness requires impartiality, intellectual honesty and disclosure of material conflicts of interest.
  • Confidentiality~ Confidentiality means ensuring that information is accessible only to those authorized to have access.
  • Professionalism~ Professionalism requires behaving with dignity and courtesy to clients, fellow professionals and others.
  • Diligence~ Diligence is the provision of services in a reasonably prompt and thorough manner.