Our Process
Our Process aims to enable clients to make well-informed decisions efficiently.
Effective consulting requires a commitment of time and talent combined with a candid exchange of information and opinion. It requires trust.
We believe trust is earned. Therefore, we follow a process that allows our clients to measure our capabilities and to judge our performance before they engage in our services.
Understanding the goals and needs of our client is the first and most important step in our process. This is accomplished through assessment.
Assessment
We engage in an assessment process to understand about your goals and objectives, your assets and liabilities, your investment accounts and insurance policies, and your current tax-reduction strategies. For business owners, we evaluate and assess your employee-benefit and business-continuation plans—all in the context of your long-term family needs and goals.
Capital Insurance & Investment Planning, provides a written summary that contains an analysis and recommendation of what steps are needed to reach your objectives.
These topics include:
- Comprehensive Financial Planning
- Wealth Management
- Retirement Planning
- Business Succesion Planning
- Employee Benefits
- Estate Planning & Eldercare Planning
- College Planning
We disclose any fees for our services in advance of any client commitment.
Engagement
Once we are satisfied that the client has a full understanding of our process, their priorities, and our fee structure the client can sign an agreement.
Strategic Coordination of Professional Services
Upon the client's request, we work with the client's attorney, accountant and other advisors as a team. This part of the process helps the client understand each professional's role and the collective value these professionals provide to help meet client objectives. This is part of a refined process to assure that all viable alternatives have been examined. Again, the client participates in that process and receives a summary of client options and strategies.
Financial Modeling
We utilize modular-planning procedures that allow us to evaluate, develop, and design solutions that meet the client's time horizons and priorities. Modeling is not intended to predict the future; it is a way to focus on a concern, issue or specific need that the client has identified. Comparisons and alternative scenarios are offered in each module.
Implementation
Capital Insurance & Investment Planning, offers more than just advice. We take the client through every step of implementation, including, if requested, working with other professionals such as the accountant, attorney and other professional advisers to honor our commitment to the client's success. This also helps confirm that the planning steps are implemented timely.
Status Reports
We provide clients with online access to their investment accounts, insurance policies, annuities and retirement plans. In addition to sending quarterly statements by mail, Capital Insurance & Investment Planning, securely e-mails to you a quarterly statement detailing comparisons to relevant benchmarks, such as the S&P 500* and Dow Jones Industrial Average*, as well as historical performance for your account and each investment in your account.
We contact clients quarterly to discuss the status of their plan and to keep them aware of any changes that would affect their planning. We ask each client to meet with us quarterly in person, if possible. Our commitment to communication helps our process be successful.
Our success is measured by your success.
*The S&P 500 is an unmanaged group of securities considered to be representative of the stock market in general. Dow Jones Industrial Average is a price weighted index of 30 actively traded blue chip stocks. Investors cannot directly invest in an index. Index performance is shown for illustrative purposes only and does not predict or depict the performance of any investment.