Committed to Helping You Succeed

Our first priority is helping you achieve your investment goals. It all starts with listening in a one-on-one conversation to learn about your personal financial situation, identify your dreams, goals, values, and tolerance for risk, and how they all tie together. Our hope is to foster a high trust long-lasting relationship that is built on a foundation of open and honest communication.

Our Six Step Income Distribution and Wealth Planning Process called The Income Difference™ is designed to help you grow and protect your wealth, while balancing risk and rewards. Scheduled outreach includes regular planning, reviews, check-ins, ongoing educational opportunities, and our informative client newsletter. You can also count on a response within 24 hours whenever you contact us with a question or concern.

Our Step by Step Process

 Step 1 - Discovery: Goals & Needs

We will discuss your goals, values and what is important to you:

• Your Past
• Your Present
• Your Future

We'll cover data points including:

• Income/Cash Flow
• Investments
• Tax & Protection
• Risk Tolerance
• Time Horizon
• Personal Information

 Step 2 - Gather & Prioritize

We will gather & prioritize:

1. Issues that need to be addressed now
2. Issues that need to be addressed within the next 3-6 months
3. Issues that can be addressed within the year
4. Issues that require ongoing maintenance

 Step 3 - Evaluate & Analyze

We will research and analyze data gathered during the discover step, and overlay the priorities using the following resources:

1. Industry-tested products
2. Subject matter experts
3. My own wide-ranging experience and expertise

 Step 4 - Strategy & Planning

We will recommend suitable strategies based on your objectives, resources, time horizon, risk profile and preferences, geared towards:

1. Diversifying for your comfortable retirement. This may include combined strategies that offer:
   - Guarantees*
   - High Probability to Contain Inflation
   - Variable Returns
   
   
2. Creating your unique income distribution strategy to address:
   - Segmented Income
   - Income Floor
   - Total Return

 Step 5 - Implement Your Plan

We will implement our agreed-upon strategy based on findings from the first four phases, ensuring that we addressed your:

• Suitability
• Objectives
• Resources
• Time Horizon
• Risk Profile, and
• Preferences

 Step 6 - Monitor, Discuss & Update

We will set appropriate milestones to review and update your plan. Each part of the plan will be evaluated using the following criteria:

• Strengths
• Opportunities
• Weaknesses
• Threats

The above 6-step process is repeated at least once a year because we can't predict the future. So, we must help you prepare. Hence, our slogan: Prepare. Don't predict. Let's work together to turn your investment goals and dreams into a reality. Contact us today!

*When fixed or variable annuities are used to provide guaranteed income, all guarantees are backed by the claims-paying ability of the issuing insurance company.