It’s easy to tell you what we do and how we do it. But without first telling you “why” we do it, the “what” and “how” have less meaning.
Number 1 Rule – No one is responsible for your finances but you.
This is the case no matter if you’re a do it yourself type or if you hire a professional to do the work. You are responsible and you must decide how financial planning will be taken care of. Believe me, it doesn’t do it on its own.
I can tell you from experience, everyone needs financial planning but not everyone wants financial planning. We’re only valuable for those who want financial planning.
Financial planning is time consuming. The material is dense, the rules seem to change all the time, and if one thing in your life changes your total plan needs adjusting.
Regardless of these challenges, financial planning is important. It can be argued it’s a “top-of-the-list” thing we should all be doing.
So, why do we do “financial planning” as a service?
The world is changing but some companies are resisting change. They continually sell products and call it planning. That’s the cart before the horse.
Financial planning is “advice” driven, not product driven. You cannot buy a financial product without first knowing the reason for buying it… and that reason should come from a financial plan that looks at all the areas of your financial life.
Our Why No. 1 – We give you an alternative to the old way of doing things.
We mentioned earlier that the process of financial planning is busy task. Financial planning organizes several moving parts. If you do not know what those parts are now, you’ll need to learn. That takes time.
Out clients are smart and capable people, and given the right material and enough time they can do it themselves. The question is… do you want to?
It takes thousands of hours, dedication to understanding several different disciplines, and experience to be able to do financial planning effectively.
Just look at CFP Board Standards for a person wanting to enter the profession. It’s not an easy standard. This is only the beginning, experience is added to this, and that comes with time.
Our Why No. 2 – We give people back their time.
You can do this yourself. But is the time and effort trade-off worth it? If not, we’re here to give you your time back. Use it to enjoy life. We’ve put in the effort. We have the education, we the experience. You can use that today.
Trying to get somewhere without directions can cause anxiety, it’s frustrating, and it takes much longer to arrive at your destination… that’s if can you actually get there.
Having a plan doesn’t answer all of life’s questions and it does not solve every problem. It does give you direction and focus. It gives you an expectation of things to come. It gives you peace of mind.
Our Why No. 3 – We give you peace of mind.
You have enough things in life to worry about. We cannot make financial problems magically disappear, but we can give you a road map for what’s needed to accomplish your financial goals, dreams, and wishes.