Financial Planning Process

The latest NAPFA consumer survey shows Americans are overwhelmingly stressed about their current and future finances. 74% of Americans wish they could get a financial planning “do over” to set up a better financial situation.

Their research shows the top 3 financial goals respondents feel they could benefit from by having a financial planner are: planning for retirement (61%), greater savings (52%), and paying off debts (50%).

The better we understand the needs and key concerns of our clients, the better we can deliver an experience that exceeds their expectations. Although many financial advisors believe their job is solely to create wealth, our research clearly shows that many clients are also quite concerned about losing their wealth. To help address this broad range of client concerns and interests, we utilize a consultative wealth management process.

At CAM, there are three components of Wealth Management (WM) we focus on for each client:

WM = IC + AP + RM

Investment Consulting (IC)

You maintain the CEO role for your household while outsourcing the CFO, Chief Financial Officer, responsibilities to us. We guide you to make the right investment decisions and understand how to manage risk in your portfolio.

Advanced Planning (AP)

Our team is focused on identifying better ways to enhance, protect, and transfer your wealth. This includes creating solutions that may offer greater flexibility and transparency as you achieve your goals.

Relationship Management (RM)

We want to always understand your financial needs and circumstances, including for those whom you care about most. Our consultative process and personalized client service includes collaboration with an expert network of professional advisors.

Your Experience

Trust is key to building strong client relationships. We give you an opportunity to know us and how we can help before moving forward.

Intro Call

Are we right for you? Let’s hop on a no-strings-attached 15 minute intro call. Share your concerns and needs, we’ll let you know if we can help or refer you to trusted partner who can.

Discovery

In this one hour meeting we’ll dive deeper to understand your values and what’s important to you. This is an opportunity for us to understand everything that is financially important to you in seven key areas.

Recommendation

Based on your personal situation and information you’ve provided, we will present a customized detailed, actionable plan that will serve as a roadmap.

Implementation

You’re ready to move forward with achieving your goals. We work through your CAM provided to-do list to ensure action is being taken on recommendations and investments as we move forward with your plan.

Continuous Review

We monitor your plans progress so you don’t have to. During check-in meetings we will discuss progress toward your goals and advanced planning objectives.

Why Fee-only Should Matter to You

As fee-only financial planners, we have a fiduciary responsibility to always act in our clients’ best interest. As a potential client, you should ask a lot of questions and understand whether or not an advisor is recommending a certain product because it helps their bottom line more than it helps yours. It’s also important to know, that some advisors are given additional compensation for selling certain proprietary products offered by their employer.

Fee-Only:
Compensated only by our client for the advice we provide, without ever earning a commission of any kind for product sales or referrals.

Fiduciary:
We are legally sworn and held to our oath to always place the interest of our client ahead of their own.

Independent:
Not affiliated with any bank, brokerage firm, or insurance company.

Ready to see your plan?

Each client is unique and so is the plan we create for them.

Schedule a Call Contact