Our Process

Let’s get to work.

Year 1:

The Comprehensive Planning Process

The first year of our partnership is critical. This is where we get to know you, your goals, and your challenges. It’s also where you get to know us.

Here is what to expect:

Discovery Meeting

In our first meeting, we’ll discuss our onboarding progress and your financial goals. We’ll also introduce you to the Critical Issues Checklist, designed to identify the priorities we will focus on first.

Cash Flow & Financial Model Review Meeting

We work through a walkthrough of your financial model to assess the health of your fiscal journey. Together, we’ll align on assumptions, ensure our scenarios accurately reflect your goals, assess your current financial outlook, and recommend any immediate changes we feel are necessary to move toward your goals.

Investments Meeting

In our third meeting, we’ll align on a long-term investment allocation, based on what we’ve discovered in the Financial Model Review. Together, we’ll create a portfolio transition strategy that is mindful of any tax consequences.

Taxes Meeting

Depending on the time of year, we can fast-track this meeting to meet tax deadlines. This is when we take a Deep dive into your tax return to check for errors and ensure you are taking advantage of all opportunities available to lower your tax bill. Finally, we will develop a framework to assist with estimated tax payments, if necessary given the client’s financial situation.

Estate Planning Meeting

We will review your estate planning goals and find solutions for any areas that could be improved. We will also provide you with a list of extremely competent referrals and help get your documents prepared.

Insurance & Employee Benefits Meeting

Review the risks to your financial goals and kick off the process to fill any gaps, addressing all areas, including life, health, disability, and property (home, renters, car) insurance.

Beyond Year 1:

Ongoing Planning Calendar

After Year 1, we begin our process of continual aspiration and exploration. We’ll optimize your investments while finding new opportunities to grow your wealth and your impact.

Winter Season

  • Financial Model Updates (Revise Spending & Income Assumptions, Review Goals & Assess Overall Financial Health).

  • Equity Compensation & Cash Flow Planning (Stock Options, Required Minimum Distributions, IRA Distributions & Roth Conversions).

  • Set Annual Savings Targets (Retirement Accounts, Taxable Accounts, HSAs & 529s).

Spring Season

  • Tax Planning (Prep, Filings & Tax Return Reviews – April Filers).

  • Spring Review Meetings (Celebrate Wins, Align On Focus Areas & Gather Client Feedback).

Summer Season

  • Insurance & Employee Benefits Planning.

  • Legacy & Estate Planning.

Fall Season

  • Tax Planning (Prep, Filings & Tax Return Reviews – October Filers).

  • Fall Review Meetings (Celebrate Wins, Align On Focus Areas & Gather Client Feedback).

  • Year-End Planning (Retirement Contributions, Tax Loss Harvesting, Capital Gains Management, Charitable Contributions & Roth Conversions).

All Year Round

  • Client Engagement (Celebrating Your Wins & Giving Thanks).

  • Investment Planning (Portfolio Allocation, Asset Location, Rebalancing, Capital Gains Management & Tax Loss Harvesting).

  • Tax Planning (Quarterly Estimated Tax Payments).

Results happen when you work with people who get you.

The truth is, there’s no shortage of options for financial advisors. But choose the wrong one and the results can be disastrous and far-reaching. When you work with Silicon Beach Financial, you get a partner — an extension of your business, your mission, and your team.

Your success is our success, which is why we prioritize proactivity. We’re always looking for ways to maximize your return on investment with us. Not just from a dollars and cents standpoint, either. We will always be pushing you toward your goals and giving you the information and resources you need to achieve them.

Let’s get started.

There’s no better way to begin a working relationship than an actual conversation with real human beings. Use the scheduler below to pick a time that is convenient for you. We’ll get to know you and you can ask our team any questions you may have.

If it’s a good fit, we can move forward discussing which of our services make the most sense for your situation and goals.