Our Two-Year Cycle . . .
Keeping Your Whole Financial Life
Working Effectively And Efficiently
Our Two-Year Cycle centers around the Quarterly Review. At each Quarterly Review we'll focus on one area of your finances. We designed a roadmap to address every part of your financial life.
Although this schedule is comprehensive, it is also flexible. That means your individual needs and circumstances can modify or accelerate the schedule.
Our Quarterly Review begins with a discussion of any material changes in your personal or financial situation. Also, you will receive a report on your progress toward your goals. In addition, we conduct a systematic review of the following elements of your financial situation. For some clients, items may be added and others omitted as their unique circumstances require.
A Sample Two Year Cycle
Year 1
First Quarter - Financial Foundation
Estate planning documents
Beneficiary designations
Emergency contact information
Second Quarter - Personal Financial Protection
Life, disability, health and long-term care insurance
Third Quarter - Establishing Financial Framework
Cash flow and spending plan
Major purchases
Fourth Quarter - Financial Independence
Retirement, education and charitable planning
Tax planning strategies, in tandem with a tax advisor
Year 2
First Quarter - Financial Review & Update
Investment plan and asset allocation
Cash flow and spending plan
Second Quarter - Banking & Credit
Banking relationships and products
Mortgage
Credit
Third Quarter - Protecting Financial Assets
Health, umbrella, property and casualty insurance
Fourth Quarter - Tax Management
Tax planning strategies, in tandem with a tax advisor
Goals and values
Years 3 And Onward
We repeat the two-year cycle, making modifications as your circumstances require.
You can see how the Strategic Planning and Management Process and its Two-Year Cycle help to improve the financial lives of people in transition:
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