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My Approach

Step 1: Financial Organization

Everyone has many different moving parts to their financial life - accounts, assets, credit, debt, insurance, legal documents, loans, property, taxes, and much more.  In order for us to know where we are going, we must first understand what we have and where we are starting from today.  This is where I get to know my clients, not only what they have, but where they want to go and the things that are important to them in life.

Step 2: Financial Education

Good decision making starts with knowledge and behavior.  When it comes to money, the math is the easy part.  It's the behavior that is the difficult part, and because money is very emotional that drives how people behave with it.  My education isn't just around how to start saving, or investing, or what is a will.  It is also around the behavioral factors that drive people to make decisions, and how we can use our strengths to make better decisions over time.

Step 3: Financial Implementation

Ironically, this is the area that most advisors and clients overlook.  I call it accountability - holding my clients and myself to a higher standard, to make sure that things get done and get accomplished in the most efficient manner possible.  This has been a repeating theme for every client I have - they want someone to help hold them accountable to doing the things they say they will and want to do.  That is why they view me as their financial coach.