Capstone Financial Services
Our Planning Process
At Capstone Financial Services, great financial planning isn’t about products or portfolios. It’s about people. We follow a structured, eight-step planning process so nothing gets missed, nothing gets rushed.
Ready for your first meeting?
Download our Financial Worksheet and bring it, along with your account statements and policies, to Step 1.
1
Understanding your circumstances
We take time to learn about your financial situation, your family, your career, and any challenges keeping you up at night, starting with the Financial Worksheet you bring to our first meeting.
2
Identifying and selecting your goals
We work with you to identify what truly matters, including retirement security, funding education, protecting your family, and leaving a legacy, and translate those goals into a concrete roadmap.
3
Analyzing your current course of action
We take an honest look at the gap between where you are and where you want to go, analyzing your financial statements, existing strategies, and the alternatives available.
4
Developing our recommendations
We build a customized plan designed specifically for you, not an off-the-shelf solution, that addresses your goals and risk tolerance.
5
Integrating your tax strategy
Taxes touch every part of your financial picture. We coordinate tax strategy with the rest of the plan, whether preparing your return directly or working alongside your existing tax professional.
6
Presenting our recommendations
We walk through our recommendations in plain language, with no jargon and no confusing charts, until every question is answered.
7
Implementing the plan
We handle the details: opening accounts, processing paperwork, coordinating with other professionals.
8
Monitoring progress and updating
We stay in regular contact to review progress, celebrate milestones, and adjust the plan as life changes.
The foundation comes first. Before we talk about investments or growth strategies, we make sure the basics are solid: a complete budget, a clear picture of all debts, and proper protection in place.