SFA’s Wealth Management team offers a customized approach to investment management. With each client’s unique needs in mind, we focus on your goals, risk tolerance, tax situation, time horizon and cash flow in our Holistic Planning Process.

1    The Discovery Interview

• Initial meeting with client to collect factual data as well as discuss their attitudes, values, beliefs, feelings, objectives and priorities.

• Review of facts and confirmation of goals, objectives and priorities.

• Create detailed Net Worth Statement including financial assets, personal assets, business assets and liabilities. Review tax cost basis and related opportunities.

• Analyzes investment assets from asset allocation and risk/return standpoint and discusses strengths and weaknesses of current allocation.

• Review current income and expenses and considers future income and expense opportunities and obligations. Review tax implications.

• Reviews the needs of self, surviving spouse and family in the event of untimely death or disability. Plans for potential liquidity needs. Considers “worse case scenario.”

• Evaluate client’s ability to retire based on stated objectives. Identifies potential deficiencies and opportunities. Utilizes “probability” analysis in portfolio design.

• Analyzes future wealth transferred to heirs. Coordinates Wealth Management, Estate objectives and Business Succession objectives while looking at retirement cash flow and Investment allocations.

• Checklists to review planning opportunities and shortfalls in the five key areas: Business Planning, Asset Management, Estate Conservation, Income/Cash Flow Review, and Risk Management.

• Monitors plan progress, reassess goals and priorities, adjust as indicated.