Our First Year Process

We believe financial planning works best when it's built around your life. Your investments, your taxes, your estate documents, your insurance, your income plan, none of these exist in isolation. A decision in one area affects the others. That's why we look at everything together, not one piece at a time.


What follows is the general framework we use with new clients. It typically unfolds over about a year, though it moves faster for some and takes longer for others. The order isn't fixed either. If something can't wait - an urgent estate need, a tax deadline, a coverage gap - we handle that first and build the rest of the process around it.


Along the way, we'll check in regularly. We'll review your plan and adjust it as your goals and life change.

Circular “Holistic Wealth Management” infographic with six navy and gray planning segments.
Month 1-2:

Goals, Values, Investment Strategy & Risk Review

Objective: Build a foundation by clarifying goals, values and aligning risk with investment strategies.


  • Goals and values discovery session
  • Account transfer and onboarding paperwork
  • Initial investment strategy development


Month 3-4: 

Technology and Financial Overview

Objective: Provide tech orientation and initial financial projections.


  • Tech orientation on client portal, financial planning tools and communication systems
  • Deliver preliminary financial projections
  • Set up access to the account and performance tracking


Month 5-6: 

Tax Strategy and Efficiency Planning

Objective: Focus on tax planning for current and future efficiency.


  • Evaluate potential tax-loss harvesting implementation
  • Plan for tax-efficient distributions
  • Explore potential charitable giving strategies
  • Identify optimal Roth Conversion opportunity


Month 7-8: 

Comprehensive Insurance Review

Objective: Reevaluate insurance needs and update coverage as needed.


  • Review insurance coverage for Life, LTC, Disability and Property/Casualty
  • Recommend adjustments based on life changes or risk management goals
  • Align insurance plan with overall financial objectives


Month 9-10: 

Discussing Estate and Legacy Planning

Objective: Navigate estate and legacy planning conversations.


  • Review existing estate documents (wills, trusts, etc.)
  • Discuss legacy goals and family considerations
  • Coordinate with your estate attorney, or bring in our trusted partner if you don't already have one


Month 11-12: 

Annual Review & Future Planning

Objective: Conduct a full annual review and set objectives for the next year.


  • Complete a comprehensive financial review and assess progress
  • Adjust investments and tax strategy as appropriate
  • Establish next year’s goals and outline major milestones


Black-and-white stylized VF logo with bold angular letters on a white background
Your strategy starts here.

Take Control of What’s Next

Every step of this process is custom built around you. Whether you're ready to begin the full first-year journey or there's something urgent that needs attention right away, we'll meet you where you are. You'll work directly with Daniel and Rodney from the very first conversation, all the way through. Reach out today and let's start building your plan.