Our Unique Planning Process

Sterk Financial Services, Inc. - The Financial Maximum Advantage Program

The Financial M.A.P. is an important starting point for any successful financial strategy.  It is important to define the dangers and obstacles facing our clients, the client's current strengths, and the opportunities that offer the best chance at financial success.

• Dangers - In today's complex world it is very easy to lose sight of the goals that we have established for ourselves.  Our financial planners will help bring clarity and focus to the needs and goals of our clients.
• Strengths - We build relationships with our clients and focus on their strengths.  We want them to have confidence in our ability to lead them to financial peace-of-mind.
• Opportunities - Our clients are not necessarily interested in the many products and services that we sell, but rather in their capabilities.  A sound financial strategy includes providing the tools, techniques and new ways of thinking and problem solving to our clients.

Our Unique Planning Process

The Value Assesment- This is where we can determine together if our certified financial planners can bring value to your financial situation.  We can also determine which planner in our firm is best suited to work with your unique situation.  If we both feel that we can bring value to you, we will discuss a fee for future services that our office provides for you.

The Discovery Process - We will discover the information in your situation critical to your financial success.  We will discuss your goal and objectives.  We will also talk about what money means to you and how you want it to impact your future, and your future legacy.

The Clarity Breakthrough - We will analyze your situation and bring back to you a real time appraisal of where you are in relation to your goals and objectives.  You will have a very clear picture of where your strengths are and what may be mis-aligned in your finanical picture.

The Navigation Strategy- We will first educate you about the variety of solutions that may work in your situation.  We will then provide you with a step by step strategy to address any gaps in your planning and to build upon the strengths you already have.  You are free to implement this strategy with any advisor that you wish. 

The M.A.P. Implementation- Should you decide you wish to work with us further, we will guide you throught the complex process of putting our recommendations into action.  We will also follow up with you and your group of other trusted advisors to make sure you stay on track implementing pieces of the strategy that may not directly involve us.

The Guidance Advantage- We beleive in supporting you on an on-going basis.  We look at our clients investments quarterly to re-analyze their performance relative to their peer group.  If we see necessary changes, we will communicate with you directly.  If something is not working the way we have hoped for - YOU WILL HEAR IT FROM US! 

The Expansion Review- From time to time, we will evaluate the success of your M.A.P. strategy, review changes in your life and update the strategy accordingly.

Sterk Financial Services, Inc. - The Wealth Managed Assessment Program

The Wealth M.A.P. is specifically for our high net worth clients.  Managing your assets, coordinating your accounts with other trusted advisors, and assisting you in passing down your values as well as your money are key elements of our planning.

The Value Assesment- This is where we can determine together if our financial planners can bring value to your financial situation.  We can also determine which planner in our firm is best suited to work with your unique situation.  If we both feel that we can bring value to you, we will discuss a fee for future services that our office provides for you.

The Discovery Process - We will discover the information in your situation critical to your financial success.  We will discuss your goal and objectives.  We will also talk about what money means to you and how you want it to impact your future, and your future legacy.

The Strategy Navigator - We will analyze your situation and bring back to you a real time appraisal of where you are in relation to your goals and objectives.  You will have a very clear picture of where your strengths are and what may be mis-aligned in your finanical picture.  We will educate you about the variety of solutions that may work in your situation.  We will then provide you with a step by step strategy to address any gaps in your planning and to build upon the strengths you already have.  You are free to implement this strategy with any advisor that you wish.  Should you decide you wish to work with us further, we will guide you throught the complex process of putting our recommendations into action. 

The Legacy Preservation Solution - We will work with you and your family to ensure that what you have built passes down to your heirs with the least amount of distubance form areas such as estate taxes, probate courts (which are public record), state inheritance tax, and income taxation.  We also know that most second and third generation weath is squandered within 18 months, and we will work with you to put provisions in place to prevent your legacy from diminishing by poor handling.

The Trusted Advisor Network - A high net worth person typically has multiple advisors that they rely on for financial, business and personal advice.  We will create a working forum of information sharing within your advisor team so that all advisors know the information critical to making suitable recommendations.  If you don't have a team you are happy with, we also will connect you with various attorneys or CPA's to help you build your team.

The Business Continuation Matrix - Many of our clients are business owners.  The business often represents a large portion of their net worth.  Passing that business down to future generations, selling it outright, or a combination of the two is a difficult and often gut wrenching decision.  We will work with your advisor team to help you through the valuation process, discuss ways the business can be continued beyond your active involvement, and provide you peace of mind that in the event of an unexpected death your business sale will be handled according to your wishes.

The Wealth Expansion Filter - Large amounts of wealth tends to expand.  Opportunities will become available that you may never have considered before.  Managing your existing assets and analyzing the viability of future invesments is critical to your overal wealth building efforts. 

The Family Values Foundation - An issue that we hear over and over again is "How can we ensure our heirs place wealth in the appropriate context of all of life's areas?"  We specialize in helping our clients families capture, document and share their family's value system so that their wisdom and character can be passed alongside their wealth.  The end result can be something as simple as a letter that is read at a family meeting, or as elaborate as creating a Family Foundation, producing a family movie, or building a travel experience to a third world country.

The Achievement Appraisal - From time to time, we will evaluate the success of your M.A.P. strategy, review changes in your life and update the strategy accordingly.