Firm Services

We work with businesses and individuals in helping them achieve their financial goals.  We work through Pacific Capital Resource Group, Inc. which is a financial services firm and licensed insurance agency in Bellevue, Washington.  Our local firm has developed numerous corporate alliances that give us the resources of a much larger firm. We are dedicated to building long term relationships with our clients founded on mutual trust and respect, and we pride ourselves in representing numerous companies in the financial industry to help them meet their ever changing needs.


We address our clients' concerns through a six-step Process:

The Four Steps of Financial Planning

1. Explain the issues that will be addressed in the planning process - Discuss the advisor’s role and responsibilities with client’s expectations.

2. Gather data and determine client’s goals - This involves extensive fact-finding that not only identifies goals and time horizons, but also develops an understanding of client’s risk tolerance and general values.

3. Analysis of client’s current situation - The advisor determines client’s financial status using tax returns, cash flow projections, investment summaries, existing insurance coverage, employment benefits, and legal documentation. The advisor must further explore the client’s risk tolerance and help identify all the risks that exist to threaten financial security.

4. Develop and present analysis that is specific to the needs and concerns of the client - This comprehensive program may include:
· Client’s current and projected financial situation.
· Projections for client’s retirement planning to determine possible shortfalls.
· Estimates to preserve your current and future estate.
· Projections of college education expenses and funding alternatives.
· Evaluations of income tax strategies.
· Identification of deficiencies for capital needs at death or disability.
·Investment strategies with asset allocation based models using modern portfolio theory and top-down analysis.

This detailed report will incorporate recommendations based on the values, needs, and risk tolerance levels uncovered during information gathering and data analysis.
 

The following additional valued-added process steps may include:

1. Implementation of program - It is the advisor's responsibility to assist the client in completing and executing the plan. This process may involve working with the client's other professional advisors to ensure the plan is implemented.


2. Monitoring and reviewing program - Because the plan is comprehensive and involves long-term planning, it should be reviewed regularly to evaluate changes in the client’s situation as well as changes in tax law or economic conditions that will effect target outcomes.