The first step in the process is to have an introductory meeting via phone call, videoconference, or in-person in order to learn more about you so we can better understand your current financial standing and what goals you wish to achieve.

After completing our onboarding questionnaire, you will be provided access to fill out our client organizer securely online. This may feel like daunting task at first, but remember that true financial planning is an ongoing process and it is better to think about it like a marathon rather than a sprint! The more information you can provide during this step in the process, the most sound your financial plan will be.

Next, we schedule a follow up meeting to review the information you provided in the client organizer and work together to quantify your goals. We strive to turn general wishes into achievable goals. 

Instead of thinking "I would like to retire in my 60s," we work to better define this as "I wish to save enough so I can retire at 65 and spend $100,000 per year without running out of money."

In order to do financial planning in "real time," we utilize state of the art technology applications to run our analysis and validate our recommendations, but most importantly, we use technology to connect you to your plan. 

We use the planning applications, RightCapital and Asset-Map, in order to provide a central planning hub where you can get instant access to balances for all of your linked asset and loan accounts, upload/download documents securely, and keep track of monthly, quarterly, and annual tasks that need to get done in order for you to remain on track to reach your goals.

After the comprehensive planning report is built, we meet either virtually or in-person to go over the assumptions used, analysis performed, and recommendations generated to provide clarity and actionable next steps for both you and RWM to prioritize.

While reviewing a custom designed report may feel good, we understand that goals cannot be achieved unless action is taken. After the planning report is presented, we focus on helping you implement any action items that are needed such as rolling over a retirement account to an IRA, re-allocating investments within your employer-sponsored retirement plan, updating tax withholding elections, or initiating RMDs or other distributions to name a few.

Things happen and plans change. This is why being able to monitor accounts in real-time and having frequent touch points allows us to be apprised of any material changes such as being promoted, changing careers, starting a family, relocating, dealing with an unexpected health issue.

This allows us to be proactive instead of reactive in our planning so you can alter course in order to stay on track to achieve your goals.

Even if things are progressing smoothly and there haven't been major changes in your life, we still meet on a quarterly basis in order to review outstanding tasks, build a deeper relationship, and measure the progress you are making towards achieving your goals.