1. Deﬁne Major Life Goals
Our planning process begins by allowing you to explore what goals and dreams you have while addressing the concerns you have about being able to achieve them. This important step serves as the basis for the conversa- tions between you and us as we accompany you through this planning process.
2. Ideal and Acceptable Goals
Throughout your conversations with us, you explore your ability to achieve your goals in multiple scenarios, starting with the ideal and the acceptable. The ideal scenario represents your goals and dreams in a perfect world scenario. Meanwhile, the acceptable scenario represents the satisfactory compromises you could make to your ideal goals and still feel content with your life.
3. Prioritize Goals
To explore as much of your ideal scenario as possible, we encourage the use of our priority cards. This interactive activity ensures that we are on the same page, working together to achieve the goals you value most.
4. Stress Test Goals
To determine the level of confidence you can achieve with your ideal and acceptable scenarios, our technology stress-tests each scenario 1000 times. During each of these 1000 iterations, your goals are subjected to simulated random market returns (up years, down years, flat years, etc.) to help you determine how likely you are to achieve your goals.
8. New Goals and Priorities
Change can present challenges, whether it happens in your own life or in the world around you. Whenever necessary, it is easy to update your plan to account for the changes and measure the impact it has on your ability to achieve your stated goals. if your investment plan needs to be updated, the appropriate adjustments can be made at your convenience.
7. Monitor Progress
The most important part of our process is the way you're able to monitor your progress toward the goals and dreams you wish to accomplish. Your plan will update each night and create a benchmark unique to your goals and circumstances. This information can be displayed on your statements and online.
6. Implement Allocation
Based on your goals, dreams, concerns, risk tolerances, and financial circumstances, we can propose an investment to help you achieve those goals. Our product neutral approach allows us the freedom to select investments that will help optimize your ability to achieve your goals.
5. Making a Recommendation
Once we have an understanding of your ideal and acceptable scenarios, we will create a recommended scenario for you that will incorporate the goals you value most while potentially deemphasizing some of your lower priority goals.
IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.