Our Process

Our Process

Townsend is a wealth management firm dedicated to helping our clients achieve their retirement goals through sound financial planning and successful investment management. By having a clearly stated set of values and processes that Townsend employs for each individual, our certified financial advisors are able to put together individualized plans that meet the retirement needs for each client, as no two clients are alike. Whether you are already a client or an individual looking for financial planning guidance as you consider your future, with Townsend you can expect to receive a first-class experience.

INITIAL CONSULTATION

Surprising as it may seem, Townsend is not for everyone. In order for us to provide a first-class retirement planning experience, we need to conserve our resources. We specialize in helping our existing clients and those who:

  1. Are looking for help. (If you can “do it yourself,” you don’t need us.)
  2. Are seeking a relationship with an experienced and knowledgeable advisor.
  3. Want a financial roadmap to help them have a richer retirement.
  4. Have investments, including employer-sponsored plans.

If you fit the above criteria and would like to talk with us further about your financial needs, please either call us at 303.452.5986 or toll-free at 1.800.578.9896 for a free consultation, or click here to fill out our online Inquiry Form, and we will contact you as soon as possible to discuss your needs. We look forward to hearing from you and would be happy to answer any questions you have.

Be assured that all information is completely confidential whether you become a client of ours or not.

Just as you would interview us for a long-term relationship, we will evaluate the information you provide to determine how our services “fit” with your needs and objectives. In all fairness to our existing clients, we have established minimum criteria for new clients so we can continue to provide the highest level of service possible for everyone.

FINANCIAL PLANNING PROCESS

What is financial planning? According to the College for Financial Planning, Standards of Professional Conduct, financial planning is “the process of determining whether and how an individual can meet life goals through the proper management of financial resources.

At Townsend we will work with you to identify your short term and long term goals and prioritize them accordingly. Our financial planning process consists of the following steps:

  1. Identify goals and objectives
  2. Gather data
  3. Analyze and develop plan
  4. Present and implement plan
  5. Monitor and update plan

Our financial plans consist of the following subject matters:

  • Cash Flow Analysis: Analyzing a client’s income, expenses, and overall financial position to determine resources available to meet goals
  • Retirement Planning: Determining a client’s ability to maintain a desired lifestyle throughout retirement, how best to save for and fund retirement expenses, and how best to utilize Social Security and other pension benefits.
  • Insurance Planning: Addressing and planning for risks such as financial emergencies, disability, unemployment, medical expenses, or premature death.
  • Investment Planning: Developing investment strategies that will minimize risk while providing sufficient returns needed to meet the client’s goals.
  • Education Planning: Determining the most effective means to save and invest for education expenses.
  • Estate Planning: Analyzing wills, trusts, powers of attorney and other documents to determine if current strategies will effectively transfer the client’s assets to heirs at minimal cost.
  • Employee Benefits Planning: Analyzing a client’s employer-sponsored benefits options to make best use of health insurance, disability insurance, retirement plans, and other employee benefits.
  • Tax Planning: Managing taxes effectively during both pre-retirement and post-retirement years.

Here at Townsend, our financial advisors working in association with our financial planners put together a financial plan specific to the circumstances of the individual. No two plans are alike and are built to address the specific needs of the client. As a planning client of Townsend you will be able to track your progress year by year by updating your plan on an annual basis or as needed depending on your changing circumstances. Our planning process is designed to help you achieve your lifetime goals and aspirations and help you create an actionable roadmap.

To learn more about us or to schedule a complimentary appointment, please either call us at 303.452.5986 or toll-free at 1.800.578.9896 or click here to fill out our online Inquiry Form, and we will contact you as soon as possible.

We look forward to hearing from you and would be happy to answer any questions you have.

Be assured that all information is completely confidential whether you become a client of ours or not.

Advisory services are offered through Townsend & Associates Inc., dba Townsend. Financial Advisors of Townsend are registered representatives of and offer securities through Securities America, Inc., Member FINRA/SIPC. Townsend and Securities America, Inc. are not affiliated. Privacy Statement | © 2017 Townsend

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