Financial Planning Process

Listening. Planning. Transforming.

We believe strong relationships are built on honest communication, transparent processes, deep expertise, and a long-term commitment to our clients’ success. We empower our clients to improve their financial lives using a comprehensive financial planning process that seeks to understand their unique situation and emphasizes their goals and objectives.

Below is a rough outline of the Financial Planning process at Polwrek Financial:

Discover

Every journey starts with a first step. Financial planning is a trust-based, collaborative relationship and this initial complementary* meeting helps determine whether we are a good fit to work together. We will learn more about you, your family, your values, your concerns, and your financial goals. We ask questions and listen closely.

Design

After the initial discovery meeting, our team will have a better understanding of your needs. We will need to collect additional information. After analyzing your financial picture and through ongoing collaboration, we will craft a comprehensive and custom-tailored financial plan.

Deliver

You will be given access to a digital and/or a printed financial plan. You will also have access to a personalized Client Portal (WealthVision) containing personalized financial planning insights, goal monitoring, and a consolidated snapshot of all your finances.

Dynamic

Life is constantly changing, and your goals will too. When new priorities lead you towards different approaches to wealth management and savings, we’ll be here to adapt your plan so it transitions along with you. Financial planning is a process, not a destination, so we're here to partner with you in your financial journey.

*The free consultation provides an overview of investment and financial planning services offered through LPL Financial. You are not obligated to purchase any products or services as a result of receiving the free consultation. 12/19

Documents Needed

Expense Sheet - CLICK HERE to download an example worksheet
Paystubs – Most recent paystub or earnings statements.
Financial Accounts – Statements for each of your financial accounts, including retirement accounts
Bank Accounts – Statements for each of your bank accounts, including due dates for CDs
Credit Cards – Statements for credit cards not paid off in the previous month
Pension Statements – Information on pension amounts at retirement and any cost-of-living adjustment (COLA)
Mortgage Statement – Showing dollar amount remaining on the loan, interest rate, monthly payment, and years remaining on the loan.
Tax return –Most recent year
Social Security Statements – If you do not have a recent statement, you can download one at www.ssa.gov
Insurance Policies – Life, Disability, Long Term Care, Homeowners, Auto, etc.
Employee Benefit Handbook or Statement
Estate Planning Documents – Wills, Trusts, Powers of Attorney, Healthcare Directives

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