If you aren't yet retired, this is what we call the Wealth Accumulation Phase in the financial planning business. During this period, there are three primary concerns that include (1) ensuring you properly address risks that can hinder your ability to save and invest, (2) systematically saving and investing for your future, and (3) building a financial framework that can provide long-term financial security. Utilizing a time-tested process, we help our clients focus on what is important today in order to provide for a more secure tomorrow.

We've seen it play out time and again - saving and investing without addressing life's risks ends in failure. While you might be thinking of insurance, we recognize that some of these risks are self-induced. From retail therapy to other forms of ego boosting spending, some of the greatest risks we all face are located between our ears. The way we handle this is by doing a broad assessment of what could throw you off track in accumulating wealth and then creating a plan to address them. Often, this involves the use of insurance products, but sometimes it's just a matter of putting a few things in place to keep the train running smoothly on the tracks.

Once you've taken the steps necessary to protect yourself, you can begin going about accumulating the wealth you will need down the road. While you can try to set money aside through budgeting and use an 'off the rack' investment plan, we believe that a well designed, automated system is the best way to get results. For most of our clients, this means finding your true savings rate, that is, finding out how much you can actually save as opposed to what a paper budget might say, then mapping how this money should be allocated among major types of investments. To accumulate wealth over the long haul, consistent persistence is required and there is no better way to do this than through the use of automated systems.

None of us live in a vacuum (well, there was that one kid in that movie...) and your actions today will no doubt shape your future. Recognizing this fact, we craft our clients' financial plans in such a way that whatever the future brings, they can be as prepared as possible. This means building and structuring their financial affairs in an adaptable manner that traditionally includes putting appropriate legal documents in place, limiting allocations in inflexible investments, and maintaining a good amount of liquidity. By keeping an eye on the future while staying focused on the actions of today, we help better position our clients for the ups and downs along the way.

Are you ready to meet with an advisor who cares more about the process than the product? If you're tired of product pushers, use the contact form below to reach us and we'll setup a time to get together. Click here to learn more about what to expect in our first meeting.