OUR PROCESS

We provide comprehensive financial planning for families, small businesses and professional practices.  Our services include retirement and estate planning, investment management, and life and health insurance.  It is our hope that you will think of us as the primary resource for all of your financial needs. We will work closely with your tax and legal advisors to ensure an integrated approach to planning your financial future.

Step 1 – First Impressions

Our first meeting will be an informal visit where we introduce our practice and talk about the issues that prompted you to seek a financial planner and your expectations of a financial advisor.  We recognize the importance of choosing an advisor and understand that our style is not right for everybody.

Step 2 – Facts and Feelings

The data gathering process is extensive and includes both the factual elements such as tax returns, investment statements and income needs as well as a thorough discussion of subjective issues such as your tolerance for risk and the values you feel should be reflected in your investments.

Step 3 – Analysis and Strategies

We will prepare a projection of your financial future based on several sets of assumptions.  These projections will help us prioritize your goals and design a savings and investment strategy that is realistic and achievable.

Step 4 – Review and Update

We will periodically evaluate the need to adjust your plans as life events unfold and the financial markets evolve.

Additional Services

We utilize an innovative financial management tool called eMoney to streamline the financial planning process and empower our clients. It is a platform that provides our clients and us a holistic view of their financial assets by aggregating all assets and liabilities across various custodians to a single location. Whether or not the accounts are administered through D.M. Brenner, we will be able to seamlessly integrate them into your financial plan – a key aspect of providing a realistic long-term financial road map.

Clients also have access, through their own customized portal, to tools that help them personally monitor their finances, including the most current balances, setting account alerts, budgeting features, and running alternate scenarios, all while communicating directly with us, your financial advisor.

Our Compensation

We are a fee-only financial planning firm. We are compensated directly by clients for advice, plan implementation and for the ongoing management of assets. We may be paid as a percentage of assets under management (AUM) and/or a flat fee, depending on the client’s needs and the plan they choose. We receive no commissions for the sale of investment products and no compensation from vendors or financial institutions.