FAN's PLANNING PROCESS
We believe successful people and their families deserve customized financial advice and guidance. We seek to help individuals and families achieve their financial goals be it college funding, starting a business, purchasing a home or vacation home, generational wealth transfer strategies or elder care.
Establishing Your Goals - This meeting forms the basis of the financial plan. Now that we know where you are financially, we will want you to discuss in detail where you want to be. We will also discuss short-term goals like buying a new home, that dream vacation or buying a new car. Together we will work to further define and quantify your goals. We will also discuss your comfort level when it comes to taking financial risks. The better we can understand you and your family, the better we will be able to meet your needs.
Develop and Present Your Plan – After we analyze the information you’ve provided us, considering your priorities and finances, we will craft a financial plan that makes sense for you and your family. Together we will review the course of action, assumptions and pros and cons associated with your plan. Our goal is not to make decisions for you, but to provide you with the information and analysis so you can make informed decisions. Our objective is to make sure we take the time needed to consider multiple options and make sure you are comfortable with the strategy.
Implementing Your Plan – Here we review the plan before we put the plan into motion, addressing any questions and concerns that you may have. We review action steps from the financial plan and discuss how they will be carried out. Some, like the investment portion, we will take care of. Other action steps may need the assistance of other professionals like attorneys and CPAs.
Monitor and Review – One thing is certain, change is constant which is why we meet with our clients frequently, once per quarter, to monitor your progress and make sure you’re staying on track. As life happens, and your financial situation and goals evolve, your financial plan should change as well. These quarterly meetings are a great opportunity to hear from you about those changes. During these meetings we will make recommendations for any necessary adjustments to the financial plan.
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.
Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.
Re-balancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional.
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Cetera Wealth Partners is a region of Cetera Advisor Networks. Securities and advisory services offered through Cetera Advisor Networks LLC., member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.
Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative (s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com
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