Financial Planning

Your goals. Your plan.

Financial planning is about helping you working to achieve your goals. The process is designed to be concise, and we'll work one-on-one to help keep it manageable. You start by answering a few questions to create a picture of where you are today and what your goals are for the future. From there, we'll work together to create a plan to help put your goals within reach.

You can receive guidance on a variety of topics from asset allocation to estate planning—all packaged into a single written plan.  There is an hourly or flat fee for the time and knowledge provided. All fees associated with the planning process will be discussed during Step 1.

Our step-by-step process

Step 1: Gathering Information
Step 2: Analyzing your financial status and assessing your goals
Step 3: Developing your customized financial plan
Step 4:
Presenting your financial plan to you
Step 5: Implementing your plan upon your request
Step 6: Evaluating your plan to keep it aligned with your goals

In addition to working through the planning steps with you, you will receive individualized support—answering questions and providing guidance specific to your unique financial picture. Once your plan is created, if requested, we will continue working together and will monitor your plan to keep it aligned to reach your goals.

And, if you set new goals down the road, you can count on us to work to understand where you're headed and to help get you there. 


We are primary wealth advisors for a small group of successful business owners and professionals who, among other things, aspire to a work optional lifestyle. They have strong values and can articulate what they want from life, so we can ensure the plan is built to accomplish those goals. To be a AAA client of Watermark, they have the following:

  • Assets
  • Advocacy
  • Attitudinal Qualities
    • They are:
    • Nice
    • Respectful of our team
    • Focused on worth not cost
    • Optimistic
    • Realistic

Business owners and professionals want to go to work by choice, not because they must. They aspire to financial independence, creating a bucket list and sleeping well at night knowing they won’t run out of money. They want a financial plan that seeks the future with anticipation, not apprehension.

Have you ever tried to solve a jigsaw puzzle without the picture from the box? Financial Planning is 90% emotional and 10% math. We focus on the emotion, and use the right financial products to accomplish happiness. We’ve developed and refined a process to put all the pieces of the financial puzzle together. We call it Pathfinder360.

The planning process (Pathfinder360) encompasses cash reserves, risk, investment, tax, legacy, and estate planning and management. It uncovers one's values and what is important to them to bring happiness and fulfillment. Along the way financial goals are achieved creating experiences of enjoyment. Our process ensures that, as life unfolds and needs evolve, our clients know that we will put all the pieces of the puzzle together to assure they have the complete picture.


  • Road Map Meeting - discovers your true values and financial objectives.
  • Mid-Point Meeting – Watermark team collaborates internally to design a customized plan.
  • Validation Meeting - solidify your needs-wants-wishes and present a plan to accomplish them.
  • Implementation Meeting –complete necessary paperwork to implement the plan.
PF360 Portfolio – Receive an organized and comprehensive binder to keep all important financial information in one place.  Schedule themed reviews for remainder of year.