Our Process
Simplify Your Finances with Our Family-Owned Practice
Feel Organized and Confident at Every Milestone
Over the years, we’ve enjoyed helping our clients organize their finances in an effort to simplify their lives; we want to give them the confidence to say, “Yes!” to more of what they love to do. Although each new milestone you face can feel like uncharted territory, as a multi-generational, family-owned practice, we’ve already been where you’re planning on going or where you want to go. We’ve helped guide families through every life stage, but we understand that your circumstances are unique. That’s why we provide personalized, objective advice to keep you organized and focused on the things and people you love.
“We Care About You and Your Assets More Than Anyone That Doesn’t Share Your Last Name.”
A Commitment to Clarity and Care
Your Financial Journey
Discovery Meeting
Understand your goals, values, and current situation.
Meeting 1
Meeting 2
Goals/Asset Review
Define your financial objectives and review your current assets.
Meeting 3
Financial Plan Review
Explore a custom financial strategy designed to fit your life.
Meeting 4
Integration
Review
Monitor the progress and ensure everything is being implemented as planned.
Ongoing
Annual Navigator
Annual check-ins and strategic updates to keep you on track.
*Tax services offered through Montage Wealth Advisors. Cetera Advisor Networks LLC does not provide tax or legal advice.
Annual Navigator
Period 1
- Prepare The Tax Return For The Current Year
- Tax Plan For The Year Ahead
- Review Paystub
- Review Savings Strategies
- Roth Conversion Analysis
- Review Distribution Strategies
- Review Gifting Strategies
- Review Service Agreement
- Review Investment Policy Statement
- Review Drift Tolerance And Rebalance Accounts
- Review Asset Allocation And Make Any Necessary Changes
Period 2
- Benchmark financial plan
- Estate planning analysis
- Elder care planning
- Review document storage and communications
- Review beneficiaries
- Review emergency preparedness
- Review life insurance
- Review homeowners insurance
- Review auto insurance
- Review liability insurance
- Review long-term care insurance
- Review disability insurance
- Review health insurance
- Update plan with new Social Security amounts
- Check account drift tolerance and rebalance as necessary
- Review asset allocation and change as necessary
Period 3
- Tax loss harvesting analysis
- Review identity theft risk
- Review property taxes
- Review mortgage
- Review credit card debt and points
- Review home equity line of credit
- Review security-backed line of credit
- Review auto loan
- Review account balances and compare to plan
- Check account drift tolerance and rebalance as necessary
- Review asset allocation and change as necessary
- Finalize Roth conversion analysis
- Review benefit options during open enrollment
Our Technology
Experience the Power of AdviceWorks
As part of your personalized financial journey, you will gain access to AdviceWorks – an intuitive, all-in-one platform designed to simplify and elevate your financial planning experience.
View Your Complete Financial Picture
See how AdviceWorks gives you a holistic view of your accounts, goals, and progress.
Creating Your Financial Roadmap
Build your long-term plan with clarity, confidence, and powerful tools based on your goals.
Securely Store and Share Documents
Easily upload and share important financial documents.