Financial Planning

Why Choose a CFP® professional?



"Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand all the complexities of the changing financial climate and will make recommendations in your best interest.”  

-The CFP Board Consumer Guide to Financial Planning





Working with a CERTIFIED FINANCIAL PLANNER™ professional is assurance that he or she is a credentialed expert who is to high ethical and professional standards. Many people believe that all financial planners are certified, but this isn’t true.  The certification comes with extensive training in financial planning, estate planning, insurance, investment management, tax planning, employee benefits and retirement planning, as well as in CFP Board’s Standards of Professional Conduct, which are rigorously enforced.  CFP® professionals are required to uphold their certification through continuing education – something to consider with new financial instruments appearing regularly on the consumer market. CFP® certification is one of the most recognized in the industry for personal financial planning.

What is Financial Planning?

"Financial Planning" has become an over-generalized term in the financial world.  True financial planning takes the guess work out of managing your finances. With an overwhelming number of options for saving and investing, managing your finances can be difficult unless you find a way to understand the big picture. Creating a financial plan helps you understand the implications of each financial decision you make.


Our planning process can vary, but these are the steps we generally follow:

  1. You initiate contact.
  2. We have a 15-20 minute phone call to explore your expectations.
  3. We have our initial meeting.
  4. You complete Financial Plan Profile and gather the documents we need to do the plan.
  5. We analyze the information.
  6. We send you follow up questions if there are any missing pieces.
  7. We present your plan and our recommendations.
  8. We have a follow up meeting to answer any questions you have and to talk about next steps.


The process often takes at least a month to complete, but it is usually dependent on how quickly you can get the details of your financial picture back to us. We do charge a fee for the financial plans we do. We use the phone call and the initial meeting to see how complicated your picture is and base the price of the plan on that information.