Our 3-D Process

Our Process

Plan Well - Save Well - Live Well

Every investor is unique, with individual goals that are affected by their personal and financial situation. At the Shimkovitz Group, we’ve developed a streamlined Financial Planning Process that is integrative, interactive and helps us to define a truly personalized financial plan. We call it The 3-D Process. As a client of ours, we will lead you through the three phases of this process, Discovery, Design, and Deployment, and continuously work with you to ensure all aspects of your personalized financial plan are reflective of your current situation.

When we start working with a new client, the first step of our process is Discovery. During this initial phase we’ll ask a lot of questions. We will start by identifying your family situation, occupation, recreational activities and, naturally, your current financial situation. We will also review things like risk tolerance, liquidity needs, time horizon for investment, and any unique tax issues you may facing. By having a thorough and open discussion about your current situation as well as your aspirations, together we can start to plan for your future financial goals.

The second step in the 3-D Process, and potentially the most important, is the design of your financial plan. In other words, what path are we going to take to achieve your goals? Through the discovery phase, we’ve obtained a clear picture of your financial situation, and now we will build a personalized plan that speaks to your current and future needs. We will develop an investment strategy with a risk profile that you are comfortable with.

The final step in our three-part process is deployment. This is where our clients can sit back, relax, and enjoy the benefits of a well managed plan. That being said, we never become complacent. The 3-D Financial Planning Process is cyclical, and as such, we will reconvene with you on an regular basis to re-evaluate the plan and make any necessary adjustments. Naturally, both you and the market will experience changes throughout the execution of our plan, so your customized plan will require constant fine-tuning. While your long-term goals may remain constant, the path that we take may change along the way. This reinforces the importance of client discovery and a customizable design process.

Here's how we can help:

  • Once we have a full understanding of what you want,
    we can begin designing a fully customized plan for your short- and long-term goals.

    Whether it's securing a comfortable retirement, paying for a child's education, purchasing a second home or just saving a bit more each month. We present our recommendations to you, answer any questions, consider alternatives and outline the steps needed to implement your plan.

  • Next, we put your financial plan into action.
    We select the specific account types, investment products and services identified in the design stage and build your portfolio to your specifications.

    We work closely with you to complete the necessary paperwork as quickly, efficiently and conveniently as possible to ensure the safe and fast transition of assets to your new account.

  • Once your plan is implemented
    We continually monitor the progress of your financial plan to ensure it keeps working for you

    But your involvement remains crucial. Should you experience in life change - marriage, birth, a new job, a new home - we can discuss how your changing situation impacts your financial plan, and the process begins anew. This is where we'll recommend - and make - any necessary adjustments to keep your plan moving forward.