1. Assess Current Position
- Review income, debt, assets, insurance and expenses.
- Identify tax and retirement risks.
- See how your current path measures up with the life you want.
2. Define Financial Goals
- Set short- and long-term targets (e.g., retirement income, wealth growth).
- Prioritize family or legacy needs.
- Align with your risk tolerance.
3. Develop a Customized Strategy
- Craft a plan using a low-cost approach.
- Optimize for tax efficiency with EA expertise.
- Include estate and debt considerations.
4. Implement and Optimize
- Execute investments and adjustments.
- Monitor performance quarterly.
- Adapt to market or life changes.
5. Review and Adjust
- Annual check-ins to refine the plan.
- Address new financial opportunities.
- Ensure ongoing savings and growth.
This process saves you thousands yearly vs. the typical 1% advisor, delivering personalized results with flat fees of $250–$750/month. No asset-based surprises!