Our Planning Process
- Our planning process can help you plan your investments around your most important life goals.
- Your plan’s flexibility lets you monitor and adjust your goals and investments as your life changes.
- You can “test-drive” goals to find out how they’ll play out within your plan.
Planning with a Financial Advisor
We’re not the typical investment practice. Instead of looking for a particular dollar amount as a retirement target, our approach to financial advice starts with your life goals.
Once we have helped you explore your goals, we’ll create an investment plan together to support them.
Our planning process helps us keep you on track toward the future you’re planning. Our process is flexible, so we can easily review and update your plan if your goals or circumstances change.
So much more than an investment plan
“Investment planning” can sometimes seem like cookie-cutter investment mixes and generalizations. Although it’s better than nothing, it’s impersonal and vague.
Our planning process does more.
Life planning tools
Our process is a life planning tool that helps us work as a team with you to:
- Explore your life goals
- Plan your investments around benchmarks that hold real meaning to you
- Track your progress toward achieving them
Best of all
Our process gives us the tools you need to:
- Decide on an appropriate investment strategy
- Monitor your progress
- Re-sync — or rethink — your approach whenever necessary
When you work with one of our Financial Advisors, the conversation starts by exploring your big-picture plans and dreams. You and your advisor will prioritize your goals for the future and map out a financial course to help you achieve them.
Your financial planning process can take into account:
- Life goals
- Education goals
- Assets
- Liabilities
- Cash-flow requirements
- Retirement planning needs
- Levels of acceptable investment risk
- Asset allocation objectives
Because the planning process is flexible, you can “test-drive” goals to find out how they’ll play out within your plan.
Once you’ve penciled in your goals, our financial planning process can help us recommend a plan (including an asset allocation) that supports your objectives. We can “stress test” your investment portfolio through statistical modeling when you modify a goal.
As you go forward, the planning process makes it easy to keep track of your progress and realign your investment plan when necessary.
Life events might call for adjustments to your Envision plan:
- Marriage or divorce
- Birth or death
- Increasing medical costs
- Helping a child or grandchild afford higher education
- Caring for an elderly parent
- Starting a new or second career
- Inheriting money or other assets
At Viribus Wealth Management &Partners , we’ve built our practice around a deep respect for planning. It is our commitment to help you plan effectively, invest wisely, and map a realistic course to your future.