Our Approach

Our First Meeting


We will start by listening.  You’ll see this often in our approach. We need to understand your specific situation in order for us to help you. There are no boiler templates when it comes to building an effective financial future.

We need to know what you like and don’t like about your current plan, what you think a good financial planner is all about, how you make decisions, and in what form (charts, spreadsheets, text) you’d like to see our recommendations.

Next, we will have a fun, interactive discussion where we will show our approach to financial planning. We’ll cover an assessment of your readiness for retirement, show the common areas of wealth transfers, discuss the important concept of opportunity costs, and share both the rules and the winning strategies in working with the financial institutions.

What we won’t do in our first meeting is discuss any particular financial product or specific recommendation. There is plenty of time for that after we make sure we find all your hidden wealth transfers.

The Next Steps


After our first meeting, you will do a little homework and fill us in on your key financial details.  Then, at our second meeting, we’ll share our findings of the areas where you can save more by avoiding wealth transfers. We’ll cover each area in detail and show you the lost dollars as well as the hidden impact of the opportunity costs.

Then, we’ll discuss some options. We’ll cover your current financial strategies and talk about alternatives that you may not have considered. We’ll demonstrate the pros and cons of different financial approaches.

We’ll also discuss your insurance protection strategy. There is little sense in saving, investing wisely, and then risking your assets with too little insurance or the wrong kind.

We’ll bring it all together in a complete, comprehensive financial plan.


We do not manage client funds or portfolios. We do not provide stock market investing advice or quotes. This web site may contain concepts that have legal, accounting and tax implications and is not intended to provide legal, accounting or tax advice. We strongly suggest that you consult a competent attorney, tax advisor or accountant for any legal, accounting or tax advice. The information provided herein is for your information only and is not a solicitation, or offer to buy or sell anything. It is not our intent to make any recommendation on this website, but if the content is deemed a recommendation, it may not be suitable for all interested parties and should not be construed as a recommendation for any specific account.

© Blackhawk Insurance Brokerage & Financial Services 2017