The process begins with an open discussion of your desired future. This is supported by a written summary of the key elements of that future. This written statement becomes the focus for all the subsequent steps in the process. Without a destination, planning for your journey is not possible. This crucial step is a new and exiting experience for most people.

Before you can start a journey you must know where you are. We gather your data and organize it into a database which calculates your current net worth, cash flow and tax situation .

With the resulting financial projection we can answer the question : “What is the probable outcome of your current course of action?”

Through testing and discussion we determine your level of risk tolerance. Using the Morningstar Advisor Workstation®, we analyze your current investments including those inside and outside of retirement accounts. We identify the appropriate selection of investments to meet your required rate of return with the historical level of volatility that will allow you to sleep well at night.

With the database s created in The Current Status Snapshot™ and the selection of assets identified in The Asset Allocation Analysis™ we can perform “what-if” scenarios to analyze your alternatives and project the probable outcomes of those decisions.

From the outcomes selected using The Strategic Alternatives Model™ a written list of the action items is prepared to direct your journey toward your vision.

As you move toward your vision, you cannot ignore the requirements of the state, federal and local governments. DRG prepares taxes and assists you in organizing your data to most efficiently meet your reporting requirements and minimize your tax obligations.

Although, we take a long term “buy and hold” investment approach , periodic reallocation is required to maintain your desired asset allocation and take advantage of movements in the markets. We believe in an annual review of your plan which includes an asset reallocation analysis . This allows your plan to adjust for changes in your life as well as take advantages of “buy low and sell high” opportunities in your portfolio.