A financial plan is your pathway to a successful future. We will work with you to identify your values, set appropriate goals and objectives, and explore your dreams. We will ask you to gather information about your current financial position and share with us the details about your assets, liabilities, income and expenses. We will analyze the information you have provided, identify problems and opportunities, and develop strategies for achieving your goals.

Even the best of plans is ineffective if it is not properly implemented and monitored, so your planning team will work with you to make sure that all parts of your financial plan are fully implemented and updated and monitored on a regular basis.

The relationship between you and your planner must be one of trust, empathy and mutual respect. The success of your plan will depend on the communication and trust built between you and your planner.

Credentials, education, experience and common sense are important. You should expect your planning team to provide all of the above. The Certified Financial Planner® certification is the credential of choice for financial planning. A planner with this designation has completed a rigorous educational program encompassing all of the basic areas of financial planning, has successfully passed a difficult board examination and has had a minimum of three years of full time work experience in financial planning or a related field.

Comprehensive financial planning encompasses five areas:

	Cash Flow & Taxes
	Insurance
	Retirement Planning
	Estate Planning
	Investments

Investment management should be a part of your financial plan. Request a written, customized Investment Policy describing your investment objectives and constraints and outlining the portfolio allocation parameters. Make sure you understand how your planner manages money. Does he or she buy individual stocks or use mutual funds or managed accounts? Does the firm do proprietary research and make its own investment decisions or is the investment management delegated out to another company? How often will your account be reviewed? How often will it be rebalanced? How often will you receive reports?

Ask about compensation. Fee-based planners are compensated by fees and not by commissions on products they sell. There are some very fine planners who are compensated by commissions, but many clients prefer a fee based compensation structure.

	You have limited financial experience
	You are not good with numbers
	You do not have time to do it properly
	You want an objective, professional perspective
	You have more important things to do (travel, spend time with your family, volunteer)

The Enrichment Group is a nationally recognized provider of comprehensive professional financial planning services. Our unique holistic planning process expands the scope of traditional financial planning by focusing on your personal values as an integral part of the planning process.

Our offices are designed to provide a welcoming, comfortable atmosphere where important decisions can be made in a tranquil environment. Long-term, trusting, personal relationships between planners and clients are the norm and multi-generational planning engagements are common.

We manage investment portfolios for our clients. An Investment Policy Statement that is signed by each client and reviewed annually guides our investment decisions. Although many of our clients own individual stocks and bonds, we prefer to use mutual funds and managed accounts. Our nine member investment committee does its own proprietary research and we meet monthly to discuss sector and fund performance and manager changes. Funds placed on our hard sell list are sold immediately. We review accounts quarterly for cash positions, tax loss opportunities and we rebalance based on a percentage of the target allocation.

The Enrichment Group is an independent fee-based financial planning firm. Our compensation comes from you and not from product sponsors. Since we don't use proprietary products and we are not compensated for selling you something, we have the freedom and flexibility to make those recommendations that are most appropriate for you.

The Enrichment Group is a unique combination of a warmth and caring, teamwork, planning expertise, and investment acumen. We are here to help you explore your dreams, secure your financial future and peace of mind, and enhance your wealth by superior investment management. That's what The Enrichment Experience™ is all about.

Please enjoy our website and call us if you would like additional information.

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