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You’ll begin your path by answering a few questions.

STEP 1: What’s on your mind?

  • Managing a Budget
  • Planning for Retirement
  • Saving for Major Purchases
  • Caring for Parents
  • Providing a Legacy
  • Saving for College
  • Contributing to Charity
  • Planning for a Business
  • Maximizing Investments
  • Minimizing Taxes
  • Other: ______________

STEP 2: Prioritize what’s on your mind.

STEP 3: What keeps you up at night?

  • Living too long and exhausting money
  • Child with special needs
  • Stock market volatility
  • Caring for parents
  • Healthcare costs during retirement
  • Other: ______________

The Financial Planning Process

Identify personal goals

Prioritize your financial goals

Gather financial information


Review and monitor progress

Take necessary actions


Propose appropiate solutions

Analyze financial information


Financial planning is not just about numbers. Helping clients identify and quantify their goals in a way that is consistent with their values requires time and experience. Our financial planning process is based on a personal relationship that develops over time and incorporates our client’s unique values, concerns, goals, and resources. The result is a written plan that is collectively designed with a clear course of action.

How to Prepare For Your Appointment

The more we know, the more we understand. The financial planning process is not a one-way, cookie-cutter type of approach.  We have no preconceived ideas about the outcome of the meeting. Our job is to come fully prepared to listen in detail and to begin to develop a relationship. We ask that you also prepare for the meeting by collecting the following information:

What to Bring:

  • Cash Flow Outline (any format)*
  • Statements from existing accounts (bank, brokerage, 401(k), etc.)
  • Insurance information (policy amounts, types, statements)
  • Employer benefit outline (insurance, pension, etc.)
  • Current paystub
  • Recent Social Security statement, if available
  • Current Estate Plan documents
  • Any additional questions

We look forward to seeing you soon. Please contact Caresse Vera if you have any questions.

* If you need a template to outline your expenses, please download our Cash Flow Worksheet.

"Begin with the end in mind.

Stephen R. Covey