Below are a set of PDF files that I frequently use in client meetings. The flowchart provides a loose set of priorities for that terrific event of coming into cash and determining what to do with it. The Risk/Reward Trade-off can be summed up in the old adage, “there’s no such thing as a free lunch.” Or if you prefer, “If it sounds to good to be true, it probably is.” It also shows that returns can be earned provided you do the work and/or do the work.

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Financial Priorities

Financial Advisors and Planners are frequently asked what to do on that rare occasion that people do come into new cash. It might be an inheritance, it could be a gift, or it might just be the result of good saving habits. This flow chart is a guideline when determining what to do with unexpected cash.

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Risk Reward Philosophy

It would be great if we could be certain that high risk would result in a high reward. Unfortunately, it’s not that simple, and there are risks involved. The Risk-Reward Trade-off is a document I frequently use to describe the inverse relationship between risk and reward. I also use it as a reminder to make reality-based decisions, rather than chase “get rich quick” promise – which overwhelmingly results in disappointment (at best).

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Menu of Services

There are so many areas of financial planning that it can be easy to loose track of it all. And it’s not something can be completed in one sitting, or even one year. However working together over a 3 to 5 year period, we can get through it.
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Skeleton of Practice

Simple Diagram of Ideal Practice

Client Planning Binder

  • Evaluate Goals
  • Inventory Resources
  • Review Income Plan Projections
  • Social Security and Medical Care
  • Plan Determine Tax Impacts
  • Estate Documents

Account Review Binder

  • 1-Year Report
  • Current Year to Date Report
  • % Stocks, Bonds, and Cash
  • Investment Details
  • Withdrawals and Additions
  • Benchmark 1-Year Comparison
  • Since Inception Comparison