Our Process

What can a financial psychiatrist do for you?

No matter your age or level of wealth, we will tailor our services to you to help determine your financial goals, offer personalized advice, and create a meaningful relationship. Together, we’ll walk through the complete process for managing your financial life and we’ll create a long-term plan that works for you. Navigating your financial life can seem confusing, but we’ll work together to make it simple and understandable.

Is a financial planner right for you?

Choose your generation below to learn how Forefront Wealth Planning & Asset Management can serve you.

Baby Boomers

Generation X

Millennials

Goals-Based Wealth Management
  • Maximize all of your hard work and savings.
  • Plan for what's next in life.
  • Identifying family values.
  • Set goals for the next generation of your family.
  • Enhancing between generations.
  • Understanding what wealth means to your family.
  • Take a holistic view of your financial life.
Personalized Advice
  • All advice will be centered around a financial life plan that helps you reach your retirement, estate planning, and charitable goals.
  • Investment & Manager Research
  • Build Investment Plan
  • We’ll help you avoid costly mistakes by monitoring performance vs. your stated goals.
  • Stress test the portfolio – 2 times per year.
  • Quarterly Investment Outlook
Intellectual Capital
  • Team experience
  • Family advisor
  • Technology Assistant
  • Regular in-person communication
  • Your personal CFO. Please see me for any financial questions including:
  • Social Security questions
  • Pension questions
  • Refinancing or paying of a mortgage.
Goals-Based Wealth Management
  • Collaborate to understand your life priorities.
  • Identifying family values.
  • Setting legacy goals.
  • Enhancing communication between generations.
  • Understanding what wealth means to the family.
  • Take a holistic view of your financial life - through education of the planning process.
Personalized Advice
  • All advice will be centered around a financial life plan that considers your risk tolerance and will adapt with your changing life priorities.
  • Investment & Manager Research
  • Work with you to build a transparent Investment Plan.
  • Help you avoid costly mistakes by monitoring performance vs. your stated goals
  • Stress test the portfolio – 2 times per year.
  • Quarterly Investment Outlook
Intellectual Capital
  • Team experience
  • Family advisor
  • Your personal CFO. If a decision involves anything with a $ – Please see me for any financial questions including:
  • Planning for future family expenses.
  • Pension questions.
  • Refinancing or paying off a mortgage.
Goals-Based Wealth Management
  • Help you plan your life priorities – the best way to reach your financial goals.
  • Identifying family values.
  • Adapt the plan to meet your needs as your goals change.
  • Understanding what wealth means to the family.
  • Consider all aspects of your financial life.
Personalized Advice
  • All advice will be focused on a financial life plan that will adapt with your changing life priorities.
  • Investment & Manager Research
  • Personalize your Investment Plan – we never want to take more risk than you’re comfortable with or invest in anything you don’t agree with.
  • We’ll help you avoid costly mistakes by monitoring performance vs. your stated goals.
  • Stress test the portfolio – 2 times per year.
  • Quarterly Investment Outlook
Intellectual Capital
  • Team experience
  • Family advisor
  • A dedicated peer will act as your personal CFO. Please see me for any financial questions including:
  • Paying off student loans.
  • Purchasing a home.
  • Planning for future family expenses.

Our Investment Philosophy

At Forefront Financial, the advice we give will always be governed by a set of rules that we trust in. We believe that sharing these rules with our clients will help them to make smarter decisions in their financial life.

1. Investments should be easy to understand for everyone.

 More complexity doesn’t always equal more money.

2. Your investments should never break the bank.

The cost of investing matters, especially since the cost of investing has dropped dramatically over the years. If it’s been a while since you’ve reviewed your investments, you may be overpaying.

3. Always invest with a plan.

At Forefront, we stick to a method, attempting to remove investor emotions that can arise when money is involved.

4. We invest based on fact.

Not infotainment or talking-heads. Our investments are backed by decades of research including peer-reviewed academic sources, never hunches or forecasts.

5. Be smart about your investments.

Avoid expenses and taxes, proprietary black-boxes and bad investment products.

Types of Services

Accumulation

Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance. In today’s world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

Risk Management

Risk management is intended to minimize financial and other losses potentially associated with risks to your assets, business, or health. Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then to either avoid or minimize the major exposures. Your last line of defense is insurance.

Taxation

Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. Although decisions are rarely made solely on their tax impact, you should have a working knowledge of the income or estate tax issues and costs involved.

Business Planning

Business planning focuses on issues specific to business owners and shareholders. For most business owners, the business is their most significant asset, and the financial success of that business has an immediate impact on the economic security of their families. Without proper planning, you may have difficulty tapping the value of your business to support your retirement, or your family may lose the value of your business at your death.

Retirement Planning

Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual’s retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building lifespan should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

Estate Planning

Estate planning creates a master plan for the management of your property during life and the distribution of that property at death. Our process does not end with estate planning but coordinates your estate plan with your overall plans for your business, investments, insurance, and employee benefits.

Pricing That Work for You

% Based

For our investment management clients, we charge a tiered percentage based on the total dollars managed.

Hourly

For those who are looking for help on a single issue or are simply looking for a second opinion on their existing plan and portfolio.

Yearly

If you’re just getting started this option is for you. For a fee paid monthly or in a lump sum you will get a year of comprehensive financial planning.