OUR PLANNING PROCESS

OUR PLANNING APPROACH

Today, more than ever, we believe you need a tailored financial plan designed to help you keep moving forward toward your goals, regardless of market direction. Our time-tested approach, combined with our personalized financial advice, can help you prepare for the expected and unexpected things in life.

The Six Steps of our Propel Planning Approach:

  • Discuss the scope of our personal services
  • Discuss your situation and identify and prioritize your objectives
  • Review costs and financial planning agreement
  • Define next steps

  • Gather appropriate financial data
  • Discuss and solidify goals
  • Discuss how you feel about risk
  • Discuss attitudes, goals, views, hopes, dreams, concerns and more
  • Discuss financial beliefs, concerns, hopes, dreams and more

  • Analyze and evaluate current financial situation
  • Assess status relative to goals, objectives and attitudes
  • Review key areas of financial planning in depth
  • Prepare recommendations suitable to your goals

  • Review recommendations to help you pursue your goals
  • Discuss alternative strategies
  • Answer questions and outline next steps


  • Assist client with agreed upon recommendations
  • Complete applicable paperwork
  • Review checklist for completion


  • Track your progress toward goals
  • Make adjustments as necessary
  • Repeat process annually to ensure your plan remains relevant


The Core Concepts of our Propel Planning Approach

Goal-Based Financial

Planning Analysis

  • Define your goals
  • Assess your time horizons and opportunity costs
  • Analyze your probabilities of success

Cash Flow Analysis

  • Budget Breakdown
  • Current Saving Projections
  • Implementable Saving Strategies

Retirement Readiness Road Map

  • Understand lifetime tax management strategies
  • Tax bracket optimization
  • Roth Conversion
  • Estate tax reduction

Protection Planning Analysis

  • Life Insurance Audit/Needs Analysis
  • Disability Audit/Needs Analysis
  • Long-term Care Risk Mitigation
  • Estate Enhancement Strategies

Investment Management

  • Investment audit
  • Portfolio risk assessment
  • 401(k) and retirement plan analysis
  • Actionable investment recommendations

Tax Management Planning

  • Personalized retirement goal analysis
  • Retirement savings and income strategies
  • Income tax strategies
  • Real-time goal monitoring

    Our Client Service Approach

Annual Planning Meeting

Date: January/February/March

Meet in office or virtual

  • Discuss life changes
  • Confirm your goals and priorities for the year
  • Present financial planning recommendations
  • Implement portfolio updates/rebalancing as needed

What we'll cover

  • Track progress/review life goals
  • Track net worth
  • Review cash flow and savings/distribution strategies

Mid-year Review

Date: June/July

Phone call

  • Confirm completion of prior meeting’s to-do’s
  • Comprehensive portfolio review
  • General market update


What we'll cover

  • Review investments
  • Discuss asset allocation and recent performance
  • Understand your risk score

Year-End Review & Benefits Recap

Date: September/October/November

Meet in office or virtual

  • Discuss life changes and revisit goals
  • Discuss open enrollment and group benefits
  • Review insurance portfolio
  • Discuss tax and estate strategies

What we'll cover

  • Year-end investment strategies
  • Protection strategies
  • Beneficiary review
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