Step by step planning process:

1. Gain an understanding of your goals and value

2. Assess your financial health

3. Calculate your net worth

4. Create your cash flow or budget

5. Determine your risk tolerance

6. Review all your existing investments

7. Create a personalized roadmap to guide you towards your financial goals

8. Implement your plan

9. Invest or reposition your investable assets

10. Annual review of your investments and financial plan