Navigating Your Future Pages

Our Wealth Management Process

We are an independent advisory firm providing fee-based fiduciary financial planning and investment management services for high-net-worth individuals. Our affiliation with Cetera Wealth Services, LLC and Cetera Investment Advisers, LLC provides us with extensive resources in providing comprehensive financial services for our clients.

Your customized financial plan is included in your advisory fee as this is the essential aspect of our relationship with our clients. Fee based investment management is how we implement your financial plan.

Over your lifetime, we will continue to advise appropriate strategies to help you navigate towards your desired future. We will monitor and modify these strategies as changes occur in your career, family situation, personal goals, or market conditions.

There are three core steps of the Wealth Management process:

Learning

We get to know you on a personal level. Who are you? Who is your family? What do you do for a living? What do you want to do in the future? What does retirement or financial independence mean to you? What is important in your life? What have you done so far with your financial planning and investment management?

Planning

We collaborate using an interactive financial planning approach to articulate your goals, and we will model various scenarios. How will you go from here to there?

Implementing

We use your financial plan as a guide for our discussions when selecting optimal tax-advantaged investment strategies and then provide regular feedback on how well these strategies are working for you.

Wealth Management Printable PDF

Our Investment Management Process

To implement your financial plan, we ask to manage all investable assets because as a fiduciary acting in your best interest, we strive to organize your financial resources for your optimal benefit as we help you navigate toward your life goals.

Tax-Advantaged Strategies
Capital Gain Management
Risk Management & Reporting

Transparent Fee Reporting
Quarterly Performance Reports
Asset Allocation Modeling

Peer Performance Ranking of Cost-Effective
Asset Managers
Strategic and Tactical Investing
Active and Passive Investing

1 Eagle Harbor Financial provides Financial Planning services as a complimentary, value-added service to all asset management clients.

2 Investment advisory services and financial planning services are offered through CIA, which does not offer tax and/or legal advice. Clients should consult their tax and/or legal professional for advice regarding their specific situation.

Our Financial Planning Process

Our Commitment to You

Our firm provides comprehensive wealth management that is tailored for each client’s unique story and goals. We seek long-term relationships built on trusted advice.

As wealth advisors, we want to understand your priorities to organize your financial resources, create future income streams, and develop growth and protection investment strategies that reflect your comfort level with risk and reward. Let’s begin with a plan for your money. Once in place, we can implement your plan with Investment Management strategies.

"Navigating Your Future"

Cash Flow

Income and Expense Forecasting
Emergency Savings Fund
Short Term Goals

Capital Events

Business Succession and Transitions
Real Estate Sales or Exchanges
Capital Gains Tax Management

Tax Focused Strategies

Tax Return Review
Tax Advantaged Investments

Family Risk Management

Life Insurance
Long-Term Care
Other Insurances Review

Legacy and Estate Planning

Asset Protection
Beneficiary Review
Estate Documents
Trusts & Wills

Retirement Planning

Retirement Income Plan
Saving Strategies
Withdrawal Strategies

Financial Planning Process Printable PDF

Do you have any major changes or areas of concern in your financial plan? We can help you navigate to where you want to be. Please feel free to fill out the checklist below and send it our way!

Financial Planning Checklist

Our New Client Process

We provide comprehensive financial services that are tailored for each client’s unique story.

We seek long-term relationships built on trusted advice.

Understanding your priorities helps us to organize financial resources, help create future income streams, and help develop growth and protection investment strategies that reflect your comfort level with risk and reward.

Where do you want to be? We can help you get there.

"Navigating Your Future"

STEP ONE

First Meeting

Introduction and Identify Client Goals
Review FP & RIA Services and Fees
Establish Advisory Relationship

STEP TWO

Gather Information

Client Data: Assets, Debts, Income and Expenses
Financial Goals and Risk Tolerance Meeting
Preparation Checklist

STEP THREE

Analyze

Evaluate Financial Resources and Future Goals
Financial Reports
Financial Planning Checklist

STEP FOUR

Present

Recommendations

Comprehensive and Holistic Financial Plan
Customized Approach to Align Investments with Goals
Illustrate Scenarios

STEP FIVE

Implement Financial Plan

Establish Accounts and Transfer Assets
Invest Assets
Follow up on Financial Planning Tasks

STEP SIX

Monitor Plan and Investments

Quarterly Performance Reports
Asset Allocation Review and Rebalancing
Financial Plan Annual Update

STEP SEVEN

Meet Regularly

Adjust and Update for Life Changing Events
Monitor Advancement Towards Goals
Ongoing Service and Communication

Our New Client Process Printable PDF

Meeting Preparation Checklist

Please use the following list to make sure you have everything we need to create your financial plan. Please upload documents securely using our eMoney client portal rather than using email or you may bring copies of documents for an in-person meeting.

You and Your Family

Identification – Driver’s license or passport
Names of children and grandchildren, including their dates of birth
Beneficiaries of retirement accounts, life insurance, annuities, etc.

Cash Flow and Debt Management

Income sources and expenses
Mortgage (original balance, interest rate, term, current balance)
Details of other debts (credit cards, auto, student loans, personal loan, etc.)
Copy of recent tax returns
Retirement age and spending goals

Retirement Planning

Social Security benefit statement [available at ssa.gov]
Statement of benefits from employer-based pension plans, veterans’ benefits, etc.
Annuity contracts
Retirement Plan contributions

Investment Management

Recent statements from…
- Bank checking, savings, money market, and CD accounts
- Investment accounts (individual, joint, trust, etc.)
- Individual retirement accounts (IRA, Roth, SEP, etc.)
- Employer retirement plans (401(k), 403b, 457, etc.)
- Annuities
Other assets (home, real estate, business, collectibles)
Liabilities (mortgage, credit cards, car loans, student loans)
Voided Check (for bank link to accounts)

Risk Management

Long-term care policies
Life Insurance policies

Legacy Planning

Copy of trusts for which you are the grantor and/or trustee
Status of your will, Powers of Attorney (date signed, date last reviewed/updated, etc.)
Inheritance situation
Special Needs

Meeting Prepartion Checklist Printable PDF

Have a Question?

Name

Email

Address

Phone

Question

Thank you!

Oops!

Laurence Egle is an Investment Advisor Representative.

*Securities offered through Cetera Wealth Services, LLC, Member FINRA, SIPC

Investment Advisory Services offered through Cetera Investment Advisers, LLC, a registered investment adviser.

Eagle Harbor Financial is not a registered broker/dealer or registered investment advisory firm.