A never-ending phase of protecting everything we've put into place.
This is where the plan comes alive as we put all of the pieces together.
Now we design a customized plan we can see and follow together.
We believe in the idea of panoramic planning – starting with a bird’s eye view of everything that is important to you, then zeroing in on each piece of the puzzle so we can learn more about your FORM.
What does F.O.R.M stand for?
Family – What is your legacy, and what does that mean to you and your family?
Occupation – This represents your life’s work or the business you’ve created. What’s next for your career, and how can we plan for a work-optional future where you work because you want to, not because you have to.
Recreation – What’s on your bucket list? What passions, hobbies, and charities are important to you? Where do you want to go, and what do you want to do when you have the time and freedom to do them? These are important things to think about, and we want you to face the future with anticipation and not apprehension.
Money – After you’ve thought of everything above, this becomes your “how.” Your savings are a means to an end and what allows us to help you accomplish everything you’ve told us matters to you. We encourage our clients to slow down, take a breath, and make sure you can (and do) take the time to enjoy everything you’ve worked for.
This is where we sync everything we’ve learned about you with all aspects of your finances - investment management, risk management, debt management, and tax management - to develop your dynamic Master Plan that keeps everyone on the same page.
What is a Master Plan?
Your Master Plan is the completed puzzle that shows you how we are fitting every piece together; your risk tolerance, investment strategies, and your goals. We use a program called MoneyGuide that helps us to map out and stress test your plan then simplify it down to a score so you know where you stand, always. This score signifies the probability of your plan’s success, which is why it is crucial that we are all on the same page.
Learn more About Moneyguide
What is a risk score?
We use the Riskalyze platform that guides you through a questionnaire to help both you, and us, identify your risk/reward profile. Simply put, what is your natural tendency to react to different levels of market fluctuation?
Learn more about Riskalyze
Now that we’ve built your Master Plan and have reviewed it together it is time to put it into action. As we move into our deploy phase we are confident that we have carefully considered all the pieces to your puzzle, and every piece is in its place. We’ve considered your risk score, your Master Plan score, and your goals, and now it’s time to see it all come together.
How can I see this in action?
You will have your own login to our Black Diamond platform that allows you to view what is happening in real time. This platform pulls together all of the programs we use so that you can see your performance, risk score, Master Plan score, and more – all in one place. We’ve carefully selected each program so that they work congruently with one another to provide you with a seamless and transparent experience.
Learn more About Black Diamond
We’ve now reached the top of the tower where we can see everything we’ve built together, and now it’s time for us to go to work for you. We will continue to assess markets, the economy, and the inevitable changes in your life - expected or unexpected – to be certain we are still on track and your probability of success is intact. Life never stands still, and neither will we.
A stewardship mindset. We believe strongly in the value of working with other trusted professionals in order to make the best decisions regarding legal and tax matters, nursing home and health decisions, estate planning, etc. There are so many things in life we can’t control so we can’t spend too much time worrying about them. We prefer to focus on the set of the sail rather than the direction of the wind.