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Financial Planning Success: 3 Perspectives, 1 Plan

In his book, Personal Success, Brian Tracy wrote that successful people “tend to have fluid, flexible, adaptive minds.” When it comes to personal financial success, this amounts to viewing the planning process from three distinct perspectives: short-term, mid-term and long-term.

As a firm, we create personal financial plans for our clients that are fluid, flexible and adaptive. Our planning and investment philosophy focuses on allocating assets in a balanced way to best manage risk and generate the income you need – today, tomorrow and in the future.

Each of the following perspectives brings something important to the overall personal financial plan:

Short-term Perspective (1 to 5 years)

Investments in this vantage point are lower-risk and intended to help provide for current income needs. These funds help you make the most of life, one day at a time.

Mid-term Perspective (5 to 10 years)

Investments with moderate risk are utilized to maintain stability in the portfolio and offset cost-of-living increases and inflation. These funds help bring peace of mind in knowing that tomorrow’s needs have been addressed.

Long-term Perspective (10 to 15 years)

Higher-risk investments with higher long-term growth potential will help you meet far-away goals such as retirement, college for the kids or that dream vacation. Funds in this vantage point provide stability for the future. They are hands-off in the short-term, and that’s okay because short- and mid-term needs are already covered.

Regular rebalancing of assets helps assure the portfolio continues to meet your needs from all three perspectives.

Learn more about our financial planning process:

Click here to read about our client service steps and philosophy.