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Financial Planning

Our financial planning approach typically follows a six-step process, including:

  1. Establishing and defining the client-planner relationship.
    We explain and/or document the services we will deliver and clearly identify Acorn Financial's responsibilities to you and yours to us. We discuss our compensation terms and confirm who is responsible for payment and when. We also set expectations for the term of our professional relationship and define how decisions are made.
  2. Gathering client data and identifying goals.
    Before we begin planning, we learn as much as we can from you about your financial situation, including your time frames and tolerance for risk. We help you identify your personal and financial goals, and collect all the documentation we require to advise you.
  3. Analyzing and evaluating your financial status.
    Once we have all the required information, we analyze it to get a clear picture of your existing situation, and identify the steps required to meet your goals. The factors we look at may include assets, liabilities, cash flow, insurance coverage, investments and/or tax strategies.
  4. Developing and presenting financial planning recommendations and/or alternatives.
    We provide you with clear financial planning recommendations based on your goals and our analysis of your data. We take the time to make sure you fully understand our recommendations so you can make informed decisions. At all times, we keep the lines of communication open so we can make adjustments as changes occur.
  5. Implementing financial planning recommendations.
    It's important that we mutually agree to a plan for executing our recommendations. Acorn Financial serves as your coach, coordinating interactions between you and other professionals such as attorneys and accountants.
  6. Monitoring financial planning recommendations.
    We continue to monitor the progress of your financial plan in relation to your goals. We also communicate with you periodically to review your results and adjust our recommendations as needed.
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