Client-centered financial planning

Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, you and your advisor will develop customized financial strategies that can help turn your goals into reality.


Current Financial Position

Determine current income and expenses

Determine current and projected net worth

Establish an emergency fund in the event of a disability


Investment Planning

Assess your risk tolerance

Design an asset allocation strategy

Evaluate investment strategies

Fund college education or a home purchase


Retirement Planning

Estimate retirement income and expenses

Determine retirement savings needs

Determine how to distribute your retirement funds


Tax Planning

Project federal income taxes

Evaluate tax-minimizing strategies

Investigate tax-favored investments


Protection Planning

Providing for your family in the event of death

Protecting your income in the event of disability


Estate Planning

Transfer your estate according to your wishes

Minimize estate taxes and expenses

Fund estate taxes


Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice