Financial Planning

Carl Richards Sketch - Values-Capital-Real Financial Planning

Financial planning is the process of making important financial decisions in the face of an uncertain future.

Inherently, money has no value at all. It is a dull, lifeless, man-made creation designed to ease the facilitation of commerce. The real value of money lies in what it allows you to experience. Money is an excellent servant to our lives, but makes for a horrible master.

Financial planning is the process of making important financial decisions in the face of an uncertain future. The process of saving, for example, requires one to make the sacrifice of giving up something certain today in the hope it will return something greater down the road.

We all have goals, but no two people have the same set of goals. For some, having the ability to retire is the primary goal, while others simply want to find a way to leave the corporate world and transition to another career.

Effective financial planning requires you to direct your resources toward your primary objectives while properly managing the risk that the set of assumptions used does not work out the way they are outlined. Good planning not only accomplishes your goals, but builds a high degree of resilience into your financial life.

We also recognize that the majority of financial decisions are made on-the-fly, outside of our office. Through our planning process and your Financial Playbook, we strive to simplify your financial life and provide a reliable framework for making consistent and smart financial decisions.