Our Financial Planning Process

A structured, comprehensive approach guided by the CFP® Board framework

At RBT Wealth, financial planning is an ongoing and coordinated process, not a one-time event. We follow the CFP® Board’s established planning structure to ensure each recommendation is thoughtful, organized, and aligned with your long-term goals.

Our role is to bring clarity and structure across investments, retirement planning, tax strategy, and estate considerations so each area of your financial life works together.

1. Establishing the Relationship

Every relationship begins with an initial conversation focused on understanding fit and priorities.

During this stage we:

Learn about your goals, concerns, and upcoming financial decisions

Explain how our planning and investment process works

Determine whether a long-term advisory relationship makes sense

This ensures clarity and alignment before moving forward.

2. Gathering Financial Information

Once we begin working together, we organize the information needed to build a complete picture of your financial life.

This typically includes:

Investment and retirement account details

Income sources, tax information, and benefits

Estate planning documents and insurance coverage

Our goal is to create a clear and accurate foundation for planning.

3. Analyzing Your Current Position

With information in place, we conduct a comprehensive review of your financial situation.

We evaluate:

Retirement readiness and long-term income sustainability

Investment allocation and overall risk exposure

Tax efficiency and planning opportunities

Rather than reviewing each area separately, we focus on how each component works together.

4. Developing & Presenting Recommendations

Based on our analysis, we develop a coordinated strategy aligned with your goals and stage of life.

Recommendations often focus on:

Retirement and long-term income planning

Investment strategy and portfolio structure

Tax-aware planning opportunities

We present these recommendations clearly so you understand both the strategy and the reasoning behind it.

5. Implementation

Once recommendations are agreed upon, we assist in implementing the strategy in an organized and efficient manner.

Implementation may include:

Portfolio adjustments and ongoing investment management

Account restructuring or rollovers

Coordination with your CPA and attorney when appropriate

Each step is handled with the broader plan in mind.

6. Ongoing Monitoring & Relationship

Financial planning is a long-term process that evolves over time.

Through ongoing communication and regular reviews, we:

Monitor progress toward your goals

Identify new planning opportunities

Adjust strategies as your life and financial situation change

Our clients value having a consistent advisory relationship that provides clarity and direction over time.

A Long-Term, Coordinated Approach

Following a disciplined planning framework allows us to deliver advice that is proactive, organized, and tailored to each client’s situation. We intentionally work with a limited number of households so we can provide consistent attention and thoughtful guidance.

If you are looking for a structured, long-term approach to financial planning and investment management, we invite you to begin a conversation with our team.