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Our Methodology

We follow the CFP® Standards of Professional Conduct.

These standards define financial planning as “the process of determining whether and how an individual can meet life goals through the proper management of financial resources. Financial planning integrates the financial planning process with the financial planning subject areas.”

There are six steps to the financial planning process:

  1. Establishing and defining the client-planner relationship

  2. Gathering client data including goals

  3. Analyzing and evaluating the client’s current financial status

  4. Developing and presenting recommendations and/or alternatives

  5. Implementing the recommendations

  6. Monitoring the recommendations

All services will be delivered in accordance with the following:

  • Principle 1: We will always put the client’s best interests first.

  • Principle 2: We will always act with due care and in utmost good faith.

  • Principle 3: We will not mislead clients.

  • Principle 4: We will provide full and fair disclosure of all material facts.

  • Principle 5: We will disclose and fairly manage all material conflicts of interest.

The Standard of Care should be followed by, Code of Ethics as follows:

  • Integrity: We will provide professional services with integrity.

  • Objectivity: We will provide professional services objectively.

  • Competence: We will maintain the knowledge and skill necessary to provide professional services competently.

  • Fairness: We will be fair and reasonable in all professional relationships. We will disclose conflicts of interest.

  • Confidentiality: We will protect the confidentiality of all client information.

  • Professionalism: We will act in a manner that demonstrates exemplary professional conduct.

  • Diligence: We will provide professional services diligently.

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