Financial planning follows a standardized six-step process. Each step of the process is essential to creating your successful plan and strategies.

Step One - Initial Consultation
At Cabourne & Associates, we create financial plans and strategies suitable to you after getting to know you and your financial concerns. We will explain the basis on which we can work, the services we will provide, and the various payment options available.

This is a complimentary meeting where we will mutually determine if Cabourne & Associates is suited to your needs. If we both believe we have a match, then we can proceed to Step Two. If we determine that your needs may be better-filled by another advisor, we will provide you with references. Again, our goal is to ensure that you receive the best service, even if we are not the ones providing it.

Step Two - In-Depth Client Interview and Data-Gathering
Our first priority is to take the time to learn what is most important to you financially, as your goals and objectives are the driving force in our process. We will provide you with a detailed questionnaire, on which we will ask you to list your financial concerns, holdings, goals, and priorities.

We will have a conversation about the relationship between risk and return and how it relates to investing. Your confidence in an investment portfolio will depend on your attitude toward risk and the subsequent investment choices we will be making on your behalf.

Step Three - Analysis and Collaboration with Advisor Team
Cabourne & Associates will then work closely with our back office and administration teams, collecting all the information and data required to make specific recommendations for you.

This research will involve the use of sophisticated financial planning software and, when appropriate, collaboration with your other professional advisors, such as your attorney and CPA.

Step Four - Presentation of Recommendations
As your advisors, we will present the financial plan and implementation schedule for recommended solutions. We will summarize your current financial picture, including your net worth, your goals and objectives, our recommendations, and the reasoning behind them. We will discuss a plan schedule that satisfies your needs and desires. During this conversation, we will fully explain how and why we chose the solutions and answer any questions you may have.

Step Five - Implementation of the Plan
The plan will be implemented according to the schedule agreed upon during the presentation of recommendations. Implementation can be assigned to us, to you, or to your other professional advisors. Cabourne & Associates can coordinate the implementation if you wish.

Step Six - Periodic Review and Modification
Reviewing your plan and modifying it over time is the key to reaching your long-term goals and objectives. By monitoring your plan’s progress, we will be able to address changes in your goals, your risk tolerance, the performance of your portfolio, and your life’s direction so that the appropriate adjustments can be made to enable success.