Our Process

Who's looking at the big picture?

You may not think you need a fee-based financial planning firm to help ensure your future.

After all, you probably already have relationships with competent accountants, attorneys, investment counselors and insurance agents, each looking after a specific part of your financial picture.

But who's giving you an objective look at the entire picture? Who's helping you weigh today's opportunities and risks with the long-term needs of you and your family?

At PS&E, we have the wisdom gained from years of experience in helping clients of high net worth toward meeting their financial objectives. So even though no two clients are exactly alike, the way we help them is always the same - with dedication, professionalism and integrity. Take the first step in getting where you want to go with PS&E and plan to prosper.

An Effective Plan Starts with a Comprehensive Assessment.

The First Step is to Step Back.

Your Life. Your Goals. Your Future.

An effective long-term financial plan starts, first and foremost, with an in-depth look at all the different components that make up your current economic situation.

Chances are you already have relationships with qualified professionals who focus on specific aspects of your financial situation such as taxes, insurance, investments and legal documents. But who is  looking at your entire situation to make sure your goals are met and everything is coordinated?

At PS&E, we start with a holistic audit of your current financial picture. We also work with you to define your specific financial goals, both during your lifetime and for future generations.

Armed with this in-depth knowledge, the professionals at PS&E can identify potential problems, short-falls and coordination issues and then begin to formulate and design a comprehensive financial plan tailored towards meeting your specific needs.

The PS&E team uses a sophisticated web-based tool for capturing, modeling and reviewing your financial situation. Each client has access to their own secure website or WEALTH MANAGEMENT SYSTEM (WMS) which is updated daily.

For many clients the WMS provides the first look at their entire financial situation. There are numerous reports that provide up-to-date information about your current situation including Net Worth, Cash Flow, Investment Allocation, and Estate Distribution. There is even a digital vault to store all your important documents.

The PS&E team leverages their wisdom and experience to develop creative solutions that help towards meeting your unique short- and long-term objectives. The WMS allows the PS&E team to model how various financial strategies and products will impact your ability to help meet your goals.

Creative Solutions for your Unique Goals

Once your financial goals have been defined, the PS&E team leverages their wisdom and experience to develop creative solutions that help meet your unique short- and long-term objectives. Through its affiliation with Sagemark Consulting, PS&E uses one of the industry's most sophisticated financial modeling tools to produce an exhaustive analysis of how various financial strategies and products will impact your ability to help meet your goals.

We then provide you with a set of creative solutions that take full advantage of current market conditions, products and laws while providing flexibility to help meet the uncertainties of the future.

Just as importantly, your PS&E team will work with your existing advisors to ensure that every part of the recommended financial plan can be implemented while keeping you in contrrol.

At PS&E, we're more than just financial planners--we're also your coordination specialists.

Simplifying the Complex.

Taking the confusion out of your financial plan.

A wealth of options... and experience.

The creative solutions to help meet your unique needs as recommended by the professionals at PS&E will become the tactical core of your financial plan.

These solutions are based - in large part - on PS&E's single-minded focus on, knowledge of, and experience in financial planning for individuals with significant net worth.

While adjectives like "high net worth" and "wealthy" are often used to describe these individuals, many of our clients do not think of themselves in these terms. Perhaps like you, these clients have sizeable investment portfolios, retirement plans or businesses, but they don't consider themselves "wealthy."

Your PS&E team draws on a wealth of experience in every step of the comprehensive financial planning process they use. So no matter whether you think of yourself as "wealthy" or just "well off," chances are we're already helping meet the needs of lots of clients just like you.

Making Complex Solutions Understandable

It's no surprise that the higher your net worth, the greater the number of options available to you. From self-funded retirement plans and investment products to estate and business succession issues, the number of potential strategies and financial products available to help meet your unique needs can be confusing at best.

One of the things PS&E does best is presenting creative and sometimes very complex financial solutions in a way that you can truly understand not only our recommendations, but their implications on your financial future.

Doing what you Plan.

PS&E can coordinate the implementation of your financial plan including periodic review.

Putting your plan into practice

The financial plan that PS&E develops for you is like a blueprint for a new house. It remains just a "good idea" until it's actually implemented.

Just as someone needs to coordinate the efforts of everyone involved in building a house - from excavators and carpenters to masons and painters - the same is truewhen it comes to implementing your financial plan.

The professionals at PS&E are your financial "coordination specialists," in that they can orchestrate the activities of your financial team - including attorneys, accountants and investment advisors - to ensure that each part of your plan is implemented in your best interests.

Objective. Dedicated. Proactive. Our strengths can be one of your best assets.

The world changes. So should your plan.

It's important that once your financial plan is in place and implemented, periodic reviews occur to adjust your financial plan based on changes in your life, your objectives and prevailing economic conditions. Your PS&E team proactively schedules these reviews to ensure that each aspect of your financial future is just where you need it to be.

Secure your financial future with PS&E

Now that you know the road the professionals at PS&E can guide you down, take the next step by scheduling a meeting with us and plan to prosper.

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