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Schwab Alliance

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Why a CFA?
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Financial & Retirement Planning

Our Retirement Planning process starts by examining our client’s current asset, liability and income situation expectations about the level and pattern of future spending. For some, income and spending will be changing due to expected future big-ticket purchases and changing sources of income. Future expenses may include college tuition, extensive travel or purchasing a second home. Changing sources of income may include Social Security income or mandatory IRA withdrawals.

We begin by developing a written, realistic Plan for achieving financial independence.

This plan includes setting goals for asset, liability and income levels and discussing how spending rates and investment returns can affect our client’s finances. This analysis can help relieve the stress associated with an uncertain future and help our clients’ plan for the unexpected.

Personal Meetings
Our clients have direct access to our key decision makers and owners. We encourage periodic meetings with our clients, particularly during significant changes such as a birth, home purchase, or retirement, as well as during changes in the investment marketplace.

Quarterly Evaluations
Once a quarter, we create investment evaluations for each client. These are comprehensive reports, which include:

• Specific performance results
• Appraisal of all securities in the portfolio

We also provide commentary with our Quarterly Evaluations that may include a forecast of the near-term economy and investment market performance.

Through prudent planning, monitoring and effective asset management, we help our clients through the important stages of their lives.