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Our Process

Is Journey Financial Services the right firm for you?

Our goal for this process is to demonstrate, in plain English, how to pursue your financial goals. This process is designed for managing your money, in effort to pay less in taxes and avoiding icebergs.

There is no charge for this process as we want you to see exactly how we seek to improve your retirement before you agree to pay us a penny. To be honest, we also want the chance to make sure you are a good fit for our firm before we agree to work with you, possibly for the rest of your life.

Steps to Develop your Money Meaning Map- Full Comprehensive

Introduction Meeting

In this meeting we ask you to communicate your financial goals, discuss your investing history and provide us with an overview of your current financial situation. As a part of this discovery process, we share our philosophy of money called “Investment Blueprints”, and explain the business model of Journey Financial Services with respect to serving our clients.

Commitment To Planning and Gathering of Data

When a decision is made to begin working with our firm, we will send you contract paperwork and list of documents necessary to begin the financial planning process. Once you collect those items, the documents are scanned into our system and forwarded to our financial planning department. Your documents are returned to you in the exact order they were provided to us.

Team Introduction

As we grow, a Service Select Team will be assigned to you. This will include a Relationship Manger, whose primary focus will be to “shepherd” you through the process and be the liaison to our financial planning department. It will also include a Lead Advisor who will work closely with you to create and implement the steps of your financial plan.

Phase One-Create your Money Meaning Map

Data Review Call/Meeting

Approximately two to three weeks after receipt of the requested documents, after we have had a chance to input your data, a conference call will be scheduled to discuss the data you have provided and secure any additional information necessary to accurately model your financial situation

Visions and Values Conversation

A core element of our risk management and estate planning process involves this in-depth conversation to uncover two things: Potential “trainwrecks” that could upset your ability to live out your preferred lifestyle and/or “opportunities”, either in lifetime or at death that would allow you to help the people or causes you care most about.

Investment Collaboration Meeting

This meeting is an opportunity to work with our team to learn more about the wide variety of investment vehicles we have access to and participate in the design and construction of your financial plan. Your informed feedback will allow us to custom design an investment blueprint that works for you and focuses on your objectives.

Presentation of Your Money Meaning Map

Utilizing the information gathered, your team will present a fully customized “money meaning map” which will outline steps to be taken to help you pursue your stated goals and objectives. Specific investment recommendations and action steps will be provided for your review and consideration. All paperwork needed to effect your customized plan will be provided at this meeting.

Follow up meeting/Signing Party

Within 3 to 5 business days after the presentation of your money meaning map, we have a meeting to answer questions and/ or provide feedback on our investment recommendations. Assuming the plan addresses your financial objectives, we have a “signing Party” to execute forms and celebrate your first steps towards your financial independence!

Phase Two-Risk Management/Estate Planning Process

Review of Risk Management Findings

We will review with you any risks identified in the visions and values conversation and offer guidance and suggestions as to how you can transfer risks identified. Some risks (like health risks) cannot be transferred, but instead must be assumed.

Estate Plan Design Meeting

A review of your current documents (if applicable) will be discussed. If new or revised documents are warranted, design assistance will be provided, ensuring the documents accurately reflect your goals.

Draft of Attorney Letter

We will draft an attorney letter on your behalf, outlining the decisions made during Estate Plan Design Meeting. In the letter, we ask the attorney to give a quote on the project. If changes are needed, your team will work as a liaison with drafting attorney and continue to review all subsequent drafts.

Estate Planning Document Execution

A member of your Service Team will assist with the execution of your estate planning documents.

Titling and Beneficiary Review

Once your estate planning documents have been executed, we will assist with the re-titling of any assets and/or liabilities (as deemed necessary) and make specific recommendations as to how your beneficiary designations should be modified to conform with your estate plan.

Investment Statement Review

As you receive new investments, we will walk you through your statements, help you understand the relevant information and answer any questions you may have.

Family Meeting

An opportunity for your heirs to have an understanding of estate planning concepts- normally actual dollar amounts are not discussed but instead concepts are reviewed. The goal is to provide a few “rules of the road.”

Let’s Get/Stay Organized!

A member of your Service Select Team will work with you to organize all of your documents and statements by using the planning binder on the private client vault. They will also train you on our robust online platform in an effort to provide additional organizational structure and give you access to real-time data via one online resource.