Our Planning Process

Experience has taught us that there are no easy answers to questions like

  • Is my portfolio properly diversified?
  • What are the most efficient methods to save for future college expenses?
  • Am I saving enough for my own retirement?
  • Do I have an income continuation plan in effect for my family if I died or became disabled?
  • How am I going to care for my aging parents?
  • What strategies can I implement to pass assets to my heirs with minimal income/estate taxation?
Proficient Wealth Counselors' planning process principles

At Proficient we

  • Establish the client-planner relationship by getting to know you, your dreams, your goals, and your financial expectations.
  • Gather your financial information to assess the situation and then educate you on the options available to pursue your goals.
  • Process and analyze your situation and recommend a plan making financial and investment decisions with you.
  • Implement a financial plan and provide periodic updates on your investment results.
  • Monitor the implemented plan and your goals remaining in contact with you throughout our relationship. We encourage you to contact us to discuss any change in your decisions or other factors that may impact your financial goals.