Your Financial Journey
Let's Break it Down
What is Comprehensive Financial Planning?
It’s comprehensive because our planning strategy is a thorough and extensive analysis of your entire financial picture, from the qualitative components (like personal goals, priorities, attitudes, risk tolerance) to quantitative components (like income, savings, dependents, employment). Our financial planning approach considers multiple factors, including your goals, risk tolerance, and personal circumstances so that we can better develop a strategy that aligns with your financial objectives. More than just income, savings, or investments, we have to take into consideration all of the personal circumstances that contribute to the reality of your financial decisions.
Why We Believe Financial Planning is Important:
Achieving Financial Goals
Provides a structured roadmap to achieve those objectives, guiding your decisions about spending, saving, and investing.
Retirement Readiness
Guides you to save enough for the lifestyle you want in your later years
Awareness & Education
Increases your understanding and helps you become more aware of your financial options
Peace of Mind
Gives you confidence, helps alleviate worry about the future, and prepares you to handle unexpected changes with ease
Improved Financial Security
Strengthens your financial position and reduces risk of financial hardship
Financial Legacy
A well-thought-out financial plan can help you create a lasting legacy for your family or charitable causes
Discover. Deliver. Implement. Navigate. Review.
What does Financial Planning look like with FSM?
Comprehensive financial planning with FSM is an ongoing approach designed to align financial strategies with your unique circumstances, goals, and values. We aim to provide guidance that helps clients make informed financial decisions over time. Our goal is to help you experience the benefits of a healthy relationship with your finances. We want to help you create a plan that adheres to your values and helps you achieve your goals.
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Our process is intentionally designed to create a plan that evolves as you do. Regular meetings allow us to refine our strategies and provide guidance tailored to your evolving needs.
Jump to:
Your Financial Journey
01
Discover
Understanding Your Unique Personal and Financial Picture
A meeting with your Advisor to connect and create your financial snapshot
02
Deliver
Presentation of the Plan and Answering Questions
A meeting with your Advisor to review your plan and discuss any questions
03
Implement
Signing Documentation and Engaging with your New Financial Plan
A meeting with your Relationship Manager to sign paperwork and cover next steps and expectations
04
Navigate
Learn About the Financial Tools and Resources Used within the Firm
A phone call with your Relationship Manager to learn to navigate your accounts and use online tools
05
Review
Monitor and Review Progress and Adjust Plan Accordingly
A recurring meeting with your Advisor that involves periodic monitoring, reevaluation, and changes over time
We believe the process of a financial journey is an ongoing path that involves setting goals, making decisions, and taking actions to improve and secure your financial well-being over time. It’s not just about reaching a single destination, but about navigating through various stages of life and adapting as circumstances change.
Our process is intentionally designed to create a plan that evolves as you do. Meeting annually helps us to cultivate a long-term partnership in which we really know you so we can strive to provide advice that is truly tailored to you even as your circumstances change.
Want to learn more?
Click below to download our Financial Planning Flipbook to discover more about each stage of the FSM Financial Journey.
Our Standards
Industry Standards
Business Relationship
Focused on Investment Products
Minimum Investment Required
Transactional Exchanges
The Fiduciary Standard
Registered with the SEC as an Investment Advisor
Our Standards
Life-long Partnership
Focused on Your Goals
No Minimum Investment Required
Long-Term Transformation
The Fiduciary Standard
Registered with the SEC as an Investment Advisor
Frequently Asked Questions
Is there a minimum investment to get started with FSM?
We do not have a minimum requirement. We are most interested in building long-term partnerships with people who are committed to their financial wellness.
What are the fees? What's included? How do you get paid?
Should you decide to work with us, we charge a fee based on a percentage of your assets under management. This fee covers advisory services, ongoing account monitoring, and access to financial planning tools. Additional costs, such as transaction or custodial fees, may apply. Please refer to our Form CRS or Part 2A Brochure for more details on our fee structure.
What is a fiduciary relationship?
As a fiduciary, we are committed to acting in your best interest and providing financial guidance tailored to your needs and objectives. In order to do that, we believe in having a complete picture. We place heavy emphasis on the planning process--on getting to know you and all the little details in your life that contribute to your overall financial snapshot.