View Article">View Article">


How do a financial plan and investment management work together?

What is a Financial Plan?

Through data gathering, analysis, and guidance, an advisor creates a road map that leads you to financial comfort during your life while allowing for the efficient transfer of assets to your heirs. Financial planning is an ongoing process driven by changing needs and objectives.​

A financial plan includes macro considerations, such as:

Cash Flow Management Evaluating current and future income and expenses to help fund your goals.

Asset Allocation Planning Developing a plan that seeks to meet your needs based on your risk tolerance and investment objectives.

Business planning Focusing on issues specific to business owners; coordinates the management of your business throughout its life cycle.

Education Planning Developing a strategy for your education goals.

Retirement Income Planning Developing a distribution plan, including social security strategies.

Advanced Insurance Planning Identifying the safety nets that you will require as your assets and responsibilities grow.

Estate Planning Helping with examining a range of strategies to meet asset protection and your wealth transfer goals.

Tax Planning Coordinating with you and your tax professional to minimize your tax liability.

Charitable Giving How philanthropic goals affect your investments, especially when considering topics like taxation.

Financial planning is the umbrella under which investment management functions.


Due to its distinct and complex nature, investment management is typically carved out as a separate service. How we ultimately shape your investment portfolio is based on a collaborative effort, and the result is something we monitor regularly. The investment recommendations and services we provide are designed to support the personal needs and goals outlined in your financial plan. 

With financial planning as the foundation and investment management providing the building blocks, we can work together to help you pursue your short and long-term goals.

Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.