Our Services

Intelligent investors often ask, “What is your financial planning process?” There is a system to our practice, and when managing our clients’ assets, we adhere to it. Below, you will find a brief overview of our six-step process.

Financial Planning Process


Establish client-advisor relationship.
The goal here is to get to know you. We will ask you for relevant financial data, assess your risk tolerance, and determine your financial goals and needs. All future decisions in the financial planning process will stem from this information.

Gather data.
We will identify your principal needs and work with you to prioritize both short- and long-term goals.

Analyze current positions.
In an “observations meeting,” we will assess your current accounts and policies, looking closely for gaps or inconsistencies.

Present action plan.
Depending on your situation, we will draft a financial plan that may include an Investment Policy Statement, a thorough retirement income plan, or a detailed action plan.

Implement plan.
At this stage, we will make the investment decisions on a product level: Which mutual funds should you buy? Which insurance policy is best for you? What sort of annuity fits best with your situation?

Ongoing review and reporting.
The final step in the financial planning process involves the ongoing monitoring of your portfolio. As time goes on, we will ensure that your assets remain diversified and that your objectives stay on track. Diversification does not assure a profit or protect against a loss in declining markets. 

life in a box

Harvest CFO is a web based financial planning tool that provides a complete view of your entire financial picture no matter where your accounts are held. Through account aggregation, we are able to collect, track and report your financial activities. By accessing this data on a real time basis, we are able to give you accurate advice when you need it most.