Life Planning merges traditional financial planning with creativity, family, community service, spirituality and other emotional aspects that bring fulfillment and satisfaction to the Client. At Cadre Financial, we believe our Clients should first clarify their values and goals before starting on a search for effective solutions. Each phase of the planning process should be in its proper order with phase 1 (self-discovery) being the most important phase.

Clarifying values and goals – “Self-Discovery” is the process of clarifying your values and where you want to be financially. Typically, people need coaching for this phase. When properly conducted, question and answer sessions prompt a Client to think about concepts deeply important to them. That is why proper dialogue takes some time before the Client is able to clearly articulate values, goals and their vision for the future. The clarification process culminates with a Family Financial Philosophy [FFP] mission statement. A FFP is a well thought out and clearly articulated mission statement which can be used as a foundation for all of your major financial decisions. It is the beginning of your empowerment process. Gathering all the pieces of your financial puzzle – This process includes conducting a financial inventory. Most people’s financial lives are scattered here and there. We examine all documents related to your personal and estate planning life. We help you pull all the disparate parts together so you can see the big picture of your financial life.

Working as a team – When you have completed a Family Financial Philosophy mission statement, you will have considered and answered many tough questions like: “What have you accumulated this money for?”, “What is best for your heirs?”, and “What philanthropic goals are to be accomplished?” The rewarding part of a clear articulation of your values with the FFP mission statement is that everyone on your planning team (Life Planner, Accountant, Attorney and Registered Investment Advisor) can then maximize their efforts to present viable alternatives and strategies consistent with your values. After you’ve evaluated your alternatives and made your decisions, a final plan can be crafted for you and your family.

Measurement and Progress Evaluations – Because client’s lives are always changing, periodic reviews are an important part of the process. As lives change, Clients become more aware of the importance of the planning process. Our team members work hard to educate and empower Clients to insure there is measurable progress toward their defined goals.

Improved Quality of Life - Through good "Life Planning", you can insure those you love are treated in the best possible manner during and after life's last milestone. You will have a feeling of well-being knowing your affairs are organized and you are efficiently using your assets, income and talents to reach your personal goals and living according to your values. You have the opportunity to be proactive, instead of reactive.