Financial Planning/Investment Advisory Services
Financial Planning is always a work in progress as it reflects any changes in market conditions and your situation. During our initial meeting, we will help identify your long and short term life and financial objectives as well as review your current financial situation. We will define your mission, vision, values, and goals, as these will become the basis of your financial plan. We will recommend meetings in order to measure our progress and examine changes that have taken place in your objectives or situation including updating personal information and goals.
Throughout this process, we maintain an “Action-Step Checklist” that monitors the steps to be taken to help you reach your goals. Annual meetings will include a comprehensive review of your total wealth and financial independence.
Most of our financial planning clients transfer their investment accounts to our firm using Schwab Institutional as custodian. Doing so not only gives us access to the accounts but also allows us to form a partnership with you in implementing our investment recommendations. These are fee-based accounts which put us on the same side of the table, as we are not compensated to buy and sell instead we are rewarded as your assets grow.
We will prepare the account forms for you to sign and will ask for the most recent statements you have for each account. This process usually takes 1-3 weeks. Clients may also choose to custody their accounts outside of our firm. Our clients who elect this option still benefit from a fee-based arrangement and we are able to perform asset allocation for these accounts through eMoney.
Due to strict regulatory requirements and professional licensure, we partner with Investment Planners, Inc. and IPI Wealth Management located in Decatur, Illinois to ensure that our business is compliant with all Federal and State securities laws.
Investment Planners is our broker/dealer through which securities orders are placed. IPI Wealth Management, an affiliate of Investment Planners, Inc., acts as our Registered Investment Advisor through which we provide Investment Advisory Services.
Investments held directly with our firm have Charles Schwab & Co (Schwab Institutional) as Custodian.
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