1. Develop The Plan
You start with a Comprehensive Plan (most common) or a Limited Review. Our Comprehensive Plan includes two 2-hour Zoom meetings. Your first meeting focuses on cash flow management. We discuss your near- and long-term goals, and make sure you’re spending optimally and saving appropriately.
Our second meeting focuses on contingencies and investments. We help you think about various contingencies in your life and how you might address them with savings or insurance. We make sure you’re investing in a way that minimizes taxes and fees. We typically recommend a simple slate of index funds in a mix that is right for your age, income, net worth and risk tolerance.
There’s homework for both you and your Aptus planner before and after each meeting. We provide detailed to-do lists and guidance along the way. We ask questions, listen closely, and help you develop your unique, customized plan.
2. Implement the Plan
After the initial process, you begin AptusCare (most common) or AptusCare Limited. AptusCare includes up to 2.5 hours of Q&A time per year, and we will collaborate closely as you implement your plan. We can exchange emails, schedule phones calls, or even virtually look over your shoulder in a Zoom meeting in which you check items off the to-do list
Throughout the year, we take time to think about you and your unique situation every couple months and we reach out with guidance and support when appropriate.
We monitor economic conditions, the investment landscape, tax considerations and financial planning best practices, and communicate with you on emerging topics through our monthly newsletter.
3. Update the PLan
Each year, you will meet with your planner for an Annual Review to discusses changes, updates, challenges and opportunities. Your life is not static and neither is your financial plan. We will help you adjust, refine, and optimize your financial life.
During these annual meetings, we think you'll appreciate the life-changing value of having an ongoing 2nd set of eyes on your finances and someone you trust to help you stay on track and achieve your goals.
Our mission is to help you consolidate, simplify, streamline, and automate, so financial concerns recede to the background of your life.
WE RECOMMEND AN AGE-APPROPRIATE, RISK-NEUTRAL DIVERSIFIED PORTFOLIO OF INDEX FUNDS THAT CAPTURE THE BROAD MARKET'S RETURNS WHILE MINIMIZING FEES AND TAXES
We will help you develop a simple, effective investment strategy to achieve your near- and long-term goals. We will demystify the investing process so you feel comfortable and confident in all of our recommendations. We will help you implement and maintain your portfolio. It has never been easier to manage your own money in your accounts. You can do it yourself. You don't have to do it alone.
