Process Not Product

Here's just an abbreviated list of actions I consider to be essential to financial success: 

Update Your Inventory

Establish the baseline - starting point. You can't change anything which has already happened, but you are free to make any changes you want going forward. Determine if your current financial strategies appear sufficient to meet your long term objectives. Knowing where you are will help you plan to arrive at your desired destination.

Reposition Assets For Tax Efficiency

Determine the appropriate mix for currently taxed and tax deferred assets. Don't defer taxes in the 15% bracket to a time you will be in a higher tax bracket. Position ordinary income assets in qualified plans and capital assets in non qualified accounts. 

Protect Your Income

Consider life insurance and disability income insurance to protect current income, and when nearing retirement annuities to guarantee some portion of desired retirement income.

DeterMine Your Risk Tolerance & Allocate Assets

Determine your risk tolerance, time horizon, and investment objectives to determine the mix of financial products best suited to meet your short term, intermediate term, and long term goals.