Financial Planning is the process beginning with the collection and assessment of all relevant financial data and continuing to the specification of personal goals and objectives and finally to a written plan of action.

Sweetwater’s perspective on financial planning is that planning is unlikely to be effective unless it reflects the hopes and desires of the client and not merely the technical output of a software program. In other words, the plan needs to address the intangible parts of life as well as the tangible. No financial plan will be successful unless the client can invest himself or herself in the plan. The financial plan that will best serve the client will be the one that integrates all aspects of the client’s life with the realities of the asset base, time horizon and risk tolerance.

Sweetwater’s only compensation for the planning process is from client fees.  The firm does not sell or represent any product, service or vendor which assures the client that our advice will be unbiased and objective.