How We Work With You.

As a team, we work to  understand you. We have the tools, resources, experience and commitment to serve our senior clients.  From a wide variety of investment discipline and planning strategies to the coordination of a workable plan. Ø      The Prudent Optimization Process, doing things other advisors forget Ø      The goal of our team Ø      Step by Step process Ø      How our team works together Ø      Our philosophy and Strategy

Step By Step Process:

 Our years of experience, working with senior clients, have prompted us to design a program that helps you understand the strengths and weaknesses of your current situation and create a powerful vision for your future. We help you identify roadblocks that might stand in your  way and work with you to develop strategies to overcome them and achieve the vision you’ve created.

Knowledge is power, and when you have completed the process you will better understand the taxation, brokerage and banking systems and how to use these systems to your advantage. You will have an understanding of all the opportunities available to you, and the ability to filter valid versus invalid information based on your situation. You will have a single source of trusted advice.

The Prudent Optimization Process is a step-by-step action plan to achieve you retirement goals, both personal and financial. 

Step by Step

 Step 1:Initial consult and post workshop meeting.

 Step 2: Meeting – Starter kit awarded.

 (A)   Discovery sessions – designed to assess your strengths and weaknesses.

 (B)   You become  certain about your current situation so you can decide if you need to make any changes in order to meet your goals.

 (C ) Develop a blue print tailored to your specific needs.

Step 3:

(A) POP implementation system.  An integrated system of support and information to ensure timely and effective implementation of your plan.

(B)  On going review sessions to approach new challenges for opportunities to make sure progress is maintained.

Step 4:  Review and update on a scheduled basis

How Our Team Works Together

Russ Story, CSA , RFC
President

• Certified Senior Advisor: (Determines a plan to help you reach your goals)

• Meets with each new client.

• Creates individual financial plans and makes specific client recommendations.

• Directs the process and strategies we use and is responsible for selecting  and monitoring and the investments recommended.

• Conducts periodic client reviews.

• Continues to learn advanced technologies and strategies through earning new professional designations, and many hours of continuing education and professional reading.

• Principal architect of Prudent Optimization Process.

Debra M. Sugg

• Answers phones.

• Schedules Appointments.

• Solves administration problems.

• Client contact to implement aspects of already agreed-upon plans.

• Gathers data for client reviews.

• Special projects. 

• General service questions.

 Our Philosophy and Strategy

• We treat each client, as we would like to be treated.

• We uncover financial blind spots.

• We maintain a prudent long-term perspective.

• We provide well-researched, thoughtful and professional guidance.

• We access available tools and resources to provide you with guidance.

• We work with your  attorney and CPA for legal and tax issues. If you do not have an attorney or accountant, we will recommend a professional.

• We continue our ongoing education, as some things keep changing.

• We provide ongoing communications with you by phone, computer, and appointments.

• We maintain complete client confidentiality.