Introducing the Natural Wealth® Process

We believe financial life planning is a life-long process. Life priorities and goals can, and often do change, as a person ages and a family matures. It’s important that any financial life plan be flexible, dynamic, and adaptable to stay in alignment with one’s changing life priorities and goals. We use a proprietary, holistic financial life planning process called the Natural Wealth® Process. The Natural Wealth® Process is perpetual in nature. It is designed to ensure household priorities and goals, and plan elements are reviewed regularly. Where appropriate, the financial life plan is changed to reflect any new priorities and goals.

The Natural Wealth® Process has five elements

The calendar year is divided into four 90-day focus periods, beginning with Wealth (January through March), Tax and Estate (April through June), Cash Flow (July through September) and Risk Management (October through December). Vision is a constant-focus element, always present in the planning year with a “Review and Reflect” period at the end of each calendar year, in preparation for the year ahead.

The Natural Wealth® Process cycles through each of the elements every calendar year, at the same time each year. The idea is to consistently review and, if necessary, revise plans and strategies in each of the elements as required, at least annually. Notifying us of a significant life event (marriage, child birth, job change or loss, marital breakdown, significant illness and/or disability, death of a family member…) will trigger a complete review of all life plan elements, regardless of the time of year, as will an initial client engagement.