Our Financial Planning Process: The Harmony FORMula
You deserve a harmonious financial plan that keeps up with the changing tempos and priorities of your life. Our comprehensive approach to financial planning is built around what matters most to you.
What Is the Harmony FORMula?
When you listen to music, you hear the harmonies built into every line as hundreds of pieces work together to bring the music to life. The instrumentals, songwriting, performance, and passion come together as the conductor waves his hands.
Our goal is to bring your financial life together in the same way. Strategies, goals, and financial allocations need to come together and match your priorities. The Harmony FORMula simplifies your planning into one cohesive process.
Our Philosophy: Planning for Life’s Changes
The Focus
What matters to you and what we can control is where our focus will always be with the Harmony FORMula.
The Mindset
You’re planning for your future, so maintaining a long-term mindset is important as you save towards your future.
The Changes
Financial plans need to change and move, adapting to your dynamic life over the years. Our process accounts for that evolution.
The FORMula: What Matters to You
In the Harmony FORMula, the first three capitalized letters (FOR) stand for Family, Occupation, and Recreation. These things are the “why” while the last letter (M) stands for Money, which is simply the tool to help you get where you want to go.
Everybody is different! When we meet, we will first discover what matters most to you, so that we can discover your “why” and use that to guide our movements over time. This will help guide our initial recommendations and help us establish a rhythm for future planning meetings by continually focusing on what is most important to you.
How It Works: Discovery → Design → Deploy
Once we’ve determined that we’re a good fit to work with each other, our process is simple:
We start with Discovery where we discuss your family, occupation, and recreation goals for the future. We’ll also get an idea of your current situation and gather financial statements.
Then we’ll move to Design where we’ll show you where you’re at financially, present options, discuss pros and cons, and make recommendations.
Once we agree on next steps, we Deploy the plan, making any changes needed and moving funds and allocations where necessary.
Clients of our firm also receive regular financial review appointments, which we call Strategy & Tactical meetings, because the Harmony FORMula is created to evolve with your life. We revisit and refine the financial plan as your goals change.
Service Pillars of the Harmony FORMula
Do you use this process with every client?
Yes! We follow the same process with every person who walks into the room or joins us on a Zoom call.
Do I have to work with you in every service area?
No. Our clients’ needs often evolve over time. Our process is designed to adapt, creating an action plan as your goals and objectives shift through different phases of life.
What licenses/designations do you have?
Greg is a Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), and holds Series 6, 63, and 65 licenses. He is also licensed in life insurance and holds a Certification for Long-Term Care (CLTC®).
Bob is a CERTIFIED FINANCIAL PLANNER (CFP®) and holds Series 7 and 66 securities licenses. He is also a licensed and certified Medicare agent, licensed in life insurance, and holds a Certification for Long-Term Care (CLTC®).
Do you work with other professionals?
Yes! We recognize that no one professional can cover every area of your financial life. We can connect you with trusted professionals or collaborate with those you already work with to ensure your plan is fully aligned.
How do I get started?
Reach out to us today! Our first step is making sure you’re a good FIT to work with us, and if we both agree, we’ll get started on the Discovery phase.