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705 E. Lincoln Av., #301
Normal, IL 61761

(309) 585-0249

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Financial Planning

Comprehensive Financial Planning


  • Know what you need to do now to be able to retire when you wish and in the style you wish.
  • Ease of decision making provided by having a clear framework within which to make good decisions and an understanding of the trade- offs and alternatives available to you.
  • Know when it is OK to spend more and do it with a free mind knowing your future is planned for.
  • Maximize the chance of reaching your objectives with good solid strategy.
  • Goal Setting


  • Complete review of investment goals, risk tolerance, current holdings, asset allocation, stock concentration
  • Cash-flow Summary:  Sources of Income, and Expenses
  • College Funding Analysis
  • Long term retirement calculations:  to determine savings rate needed to be on track for desired retirement income level and for assets to last through retirement
  • Retirement Funding Plan:  Income plan by source and specific amount
  • Assessment for life, disability and long-term care protection
  • Recommendations to reach realistic goals for retirement and withdrawal strategies
  • Social Security maximum benefits
  • Annual Reviews


  • Meeting 1 – Get Acquainted – Discuss your present financial situation, your financial goals and concerns.  Determine what you hope to gain from an advisory relationship.  Answer your questions and determine if we are a good fit to be your advisor.  Together if we decide to go forward, you will be given a list of information you will need to compile.  We both sign a Service Agreement.
  • Meeting 2 – Fact Finding Review – Compile, organize and verify your requested data.  Determine if additional information is needed.  Define assumptions for analysis and goals to achieve.
  •  Meeting 3 – General Analysis and Strategy Discussion – A plan is developed for an overall review.  Goals are refined and prioritized. 
  • Meeting 4 -- Analysis and Plan Formulation – A final analysis report is generated and presented, including specific recommendations and a detailed action plan.  Full payment is due.
  •  Meeting 5 – Plan Implementation and Follow-up – Review and answer questions regarding recommendations and timeline for implementation of plan.  Schedule financial review and update meetings for the coming year.