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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 financia l
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.
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