Our Process

We've found that most clients want their financial advisors to help them with more than just investments. They want real wealth management—a complete and collaborative approach to addressing their entire financial future. True wealth management is not a one-time event, but an ongoing process that will last throughout your life. Through our discovery process, we obtain a very clear understanding of all that is important to you. Based on our understanding of your values and goals, we will work with you to develop your wealth management plan and and streamline your financial affairs, which leaves you to focus on what's most important to you—your family and your future.

We define wealth management as a formula:



Investment consulting is astutely managing investments over time to help you achieve your financial goals. We do this by implementing an investment plan that is designed to meet your unique needs and optimizing those portfolios on a consistent basis to ensure that your portfolio is in line with where you are in live rather than where markets are. We make sure that as your financial needs evolve, your investment plan evolves with you.

In our experience, very few financial advisors offer advanced planning to their clients. The advanced plan is a customized evaluation of the entire range of financial needs with our recommendations for moving forward. The advanced planning component deals with four key areas of your financial life beyond your investments:



  • Wealth enhancement aims to produce the best possible investment returns consistent with your level of risk tolerance and to minimize the tax impact on those returns.
  • Wealth transfer intends to find and facilitate the most tax-efficient way to pass assets to succeeding generations and to do so in a way that meets your wishes.
  • Wealth protection is aimed at protecting your wealth against potential creditors, litigants, children's spouses and potential ex-spouses, as well as protecting you against catastrophic loss.
  • Charitable planning helps fulfill your charitable goals and can often support efforts in each of the other three areas.

None of these areas stand in isolation from the rest. Wealth protection, for example, is often intertwined with wealth transfer needs. The major advantage of advanced planning is that is enables us to deal with each area systematically while maintaining an integrated approach to your overall financial picture.

Relationship management is the foundation of our process. As wealth managers, we are focused on building relationships with three groups. The first and most obvious group is our clients. In order to effectively meet their needs, we have to have solid, trusting relationships with them. Next, we manage a network of financial professionals. These are specialists that we can call in to make recommendations on specific advanced planning needs. And last, we work with our clients' other professionals advisors, such as their attorneys and accountants. As your personal CFO, we make sure that everyone in your financial life is working together to achieve all that is important to you.

The wealth management model is the most thorough and systematic consulting process for uncovering your most important goals and for designing and implementing appropriate strategies to ensure that your family's most important financial issues are addressed as needed.

If you would like to explore the possibility of working together, please contact us at (626) 460-0400.