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PA’S RESPONSIBILITY TO ITS CLIENT DOESN'T CEASE ONCE A strategy is committed to paper.  We firmly believe that financial planning is a process; a financial plan is necessarily an evolving entity that must be continuously monitored and adapted to reflect changes in both the financial environment and the client’s life experiences.    Step one in the process is simply to get organized.  A senior CPA professional works through a fact-finding session with the client and his or her spouse to determine the couple’s immediate needs and longer-term financial goals.  The information gathered during this meeting serves as the basis for a conservative 10-year plan.

Using the information gathered in the preliminary session, the CPA team creates a personalized summary and action plan.  Although quantifiable data form the foundation for the plan, CPA puts a high value on the soft facts: the emotions and concerns that surface during the meeting.  In many respects, these non-quantifiable byproducts of the discovery process actually spark life into the plan.

At this point, the plan is reviewed with the client to confirm their level of comfort.  Once approved, the next step is to implement the plan, complete with a review of the investment options available to complement the established goals. 

The final (and ongoing) step is to monitor the process.  An in-depth review is conducted at least once a year to address changing family responsibilities, changing income levels, legislative and regulatory updates, changing market    conditions, unforeseen political events, and similar important developments.  By anticipating and adapting to these events, CPA helps its clients to avoid the numerous pitfalls that can obscure the road to financial independence.