The HFS process is straightforward and consistent, providing clients with a clear, step-by-step pathway to achieving financial security and growth. There are defined steps to each potential relationship, outlined below.
Discovery
We start by listening, with a goal of understanding your values and priorities. This is where we learn what matters most to you. You’ll also be introduced to our team, process, and services.
Data Gathering & Analysis
Next, we review your current financial position, diving into all aspects of your financial life to gain a better understanding of your circumstances.
Strategy
From here, we craft a personalized plan and “Financial Action Checklist” that aligns with your objectives, covering Estate Planning, Cash Flow, Insurance/Risk Management, Investments, Retirement Planning, and Tax Planning.
Implementation
Together, we put your plan into action, coordinating across accounts, benefits, and investment vehicles to follow through on our recommendations.
Monitoring / Updates
Financial Planning is not a one-time event. We provide ongoing reviews in both the spring and fall, along with an annual tax review to ensure we stay on track, make updates, and continue progressing toward your goals as life changes.