Finding Opportunity in Change

SDM implements a five step financial planning process to create your initial investment strategy and porfolio allocation. When choosing investments, we have the flexibility to choose freely from a wide variety of products because we are not contractually bound to work with a single investment sponsor or insurance company. Once an initial plan is put in place, we meet with you at least once a year to make adjustments to your plan to reflect any changes in your goals, your financial needs, or market conditions.

SDM’s Five Step Planning Process

1. Listen: We listen to you to clearly understand your values and priorities associated with your money.
2. Analyze: We analyze our client’s circumstances and assist them in identifying and establishing goals.
3. Design: We prepare a detailed plan that considers your goals and priorites.
4. Implement: We work with you to take steps needed to implement the plan.
5. Review: We review your strategy and make adjustments based on your changing needs and market conditions.

You always have direct access to your personal financial planner if you require guidance or if your situation changes between consultations. You are never locked into any strategy; if you need to liquidate an investment, for any reason, you can do so freely.

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