Though the time involved varies depending on the complexity of a client's needs, the basic financial planning process follows this path:

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We listen to you first - what are your desires, long-term goals, and priorities.  Next, we look at your current situation - assets and liabilities, current savings and investments, income, and other factors.  Then we form a strategy that meshes with your personality, risk tolerance, and implement it.  There is supervision and monitoring, and adjustments are made along the way.  Periodic consultations allow us to repeat the process, as your life situation changes, or, to reaffirm and evaluate performance.