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24 E. Cota Street, Suite 200, Santa Barbara, CA 93101

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Our Process

How We Do What We Do

Our priority is helping you take care of yourself and your family. We want to learn more about your current situation and identify your dreams, goals, and time horizon while understanding your appetite for investment risk. We aim to foster a long-term relationship that encourages open and honest communication, a cornerstone of our success.

  • We understand everyone is different, and a financial plan should be constructed specifically to meet your unique values, needs, goals and dreams, family dynamics, risk tolerance, budget, and past experiences that influence your personal financial philosophy.
  • We utilize a comprehensive financial planning process based on your unique financial goals using industry-leading cash-flow-based or goal-based financial planning software.
  • We will help you define and prioritize your financial goals,
  • As your financial advocate, we will advise you every step of the way to help you achieve your goals as efficiently and effectively as we possibly can.
  • We encourage a team approach with your other financial professionals.
  • We will help you manage your financial affairs and keep you updated, organized, and on track.
  • Once your uniquely tailored financial plan is completed, we can help you implement it.
  • We can help you build and integrate an investment strategy with your financial plan that aligns your future financial objectives with the proportional amount of risk.

Start with our 5-Minute Financial Tune-up™

Our 5-minute Tune-up™ is a simple way to quickly assess your financial acumen and identify potential concerns that may be impacting your future financial well-being. (Start Here) 

Let's Make a Plan

If you have concerns about your current and future financial situation and would like professional assistance, we employ an 8-step planning process to help you get from point A to point Z as efficiently and effectively as possible. For more information, click on each step.

  1. Introduction
  2. Discovery
  3. Gather and Organize
  4. Your Current Financial Plan
  5. Analyze and Evaluate Your Current Plan
  6. Create and Deliver a Recommended Plan
  7. Implement
  8. Monitor

Active Portfolio Management

We work with you to design a custom-tailored, fee-based, actively managed investment portfolio that considers your goals, time horizon, risk tolerance, and taxes - Click Here for more information.

We offer:

  • Institutional-level, actively-managed multi-money manager platform with over 500 prestigious Wall-Street money managers, low account-minimum requirements, while generating one single 1099 in most cases.
  • In-house, 3rd-party money management.
  • In-house money management (legacy & HNW clients).

Tying it All Together

When managing your retirement assets, you should have an investment strategy defined by your goals and objectives in your financial plan. A financial plan will help you determine an annual rate-of-return target that achieves your financial goals based on your risk tolerance. Once you know your target return, your portfolio should match your desired average annual return to achieve your future financial retirement goals. Without a plan, you could be taking unnecessary risks or not risking enough. If you have additional disposable discretionary income, you could invest those funds more aggressively without jeopardizing your retirement plan. For more information, visit our Portfolio Management page.


Let's Talk

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