The Financial Planning Process


1. “Sleep On It” Analysis

Before you pay a single dollar, we walk you through a no-obligation financial analysis designed to show you where you stand in key areas such as taxes and retirement-readiness. And once we’re done, we’ll ask you to “sleep on it” before we decide to work together.


2. Detailed Roadmap

If we choose to move forward, we then lay the foundations needed to make the most of your financial resources.

Here, we dive into greater detail to build a plan that ties together all aspects of your financial life.


3. Monitor And Adjust

Life changes quicker than we expect sometimes. Whether it’s a new job, selling a business, having kids, getting married, or simply changing your goals, course-correcting along the way is critical. We ask clients to commit to meeting regularly to ensure they’re still on the right path.

“Sleep On It”

The “Sleep On It” analysis and process is designed to give you a way to make an educated and informed decision about working with us. And when we’re done, you will know exactly where you stand in four key areas of retirement success.

For people who are potentially a good fit for our firm, there is no cost or obligation for this process. We want you to know exactly how we can help you before you pay us a single dollar in fees or trust us with a penny of your nest egg.


Step 1: 15 Minute Introductory Call

We have a quick talk to ensure that we’re a good fit. If not, we will introduce you to another high-integrity advisor.


Step 2: Initial Planning Meeting

Here, we will dive into your top financial goals and concerns. The information we cover drives Step 3.


Step 3: Analysis 

We apply our years of experience to answer these questions:

  • How much can you realistically spend in retirement?

  • If you’re not retired, what is your current retirement spending trajectory?

  • Are your investments working as hard as they could? Do you have any financial threats that need to be addressed?


Step 4: Second Meeting

We review the analysis and show, in real dollars, how (or if) working with Transformative Financial will improve your finances.


Step 5: Sleep On It

Choosing a financial advisor is a big decision, so we ask that you sleep on it first. No high-pressure sales tactics here.


Step 6: Get Started

Here, we answer any remaining questions you have and complete the paperwork we need to get started. Throughout this process, there are no hard-sell or high-pressure sales tactics. If it’s not a good fit, we’ll happily refer you to another high-integrity advisor who may be a better fit.


Let’s Schedule A Call