Long-term, real-life success begins with a plan. A comprehensive financial plan delivers calm confidence for all aspects of your financial life. A good financial plan includes:
The financial planning process at A&I Financial Services begins with our Discovery Meeting. We often hear this is the best conversation about money a person has ever had.
We deliver as many as three meetings free of charge as we get to know what is important to you, including your values, goals and relationships. Then, we begin the process of advanced financial planning, described next.
We go one-step further than many other firms.
We pull together an expert team to deliver advice in the legal, accounting, risk management and other professions. We then give you a summary financial plan on one piece of paper. This makes it easy for busy people to live their lives and know the details are taken care of by an experienced fiduciary.
Read more about our promise & our process.
When we sit down with you to discuss your personal financial plan, we will bring you the best advice from our expert team, described next.
We are a team of experienced professionals. We follow a proven process that enables each client to feel exceptionally well cared for,safe and confident with their financial affairs.
Every A&I Financial Services financial planner is a four-year college graduate. Six of us are CFP® practitioners. We have over a dozen other advanced designations on our team. Plus, two of us are professors of financial planning for accredited universities. Many of us have held leadership positions in professional associations.
Our investment process is unique. We combine a patented selection process with thorough due diligence. We know the companies where we entrust our money. Our investment committee meets at least weekly to stay abreast of changes in the market. The committee is both academic and street-smart. We have a lot of education as well as experience.
We are a fiduciary. This is the highest standard in the financial services business. This means we swear to put your interests ahead of our own. We promise that no one outside your immediate family will have a stronger interest in your financial success than us.
A&I Financial Services financial planners are a team. We meet at least weekly to share our best ideas. We have a number of Certified Financial Planner CFP® practitioners who are experts at complex planning issues. Plus, we educate our clients with the latest and most relevant information through frequent educational events, blog posts, an email newsletter, podcasts and videos.
We make it simple to achieve your real-life financial goals. A&I Financial Services financial planners are experienced. Since 1986, we have helped a small number of families achieve financial success. We have over 100 years of combined experience on our team.
We rely on our 12 core values to set priorities, resolve ethical dilemmas, act in our client’s good faith, and provide a consistently exceptional experience for everyone we meet.
We treat each other, and our clients, like favourite members of an extended family. Our processes enable almost anyone who answers the phone to help you with almost any request the first time you make it.
Our clients receive:
Completely personal financial plansCustom investment management, including access to our proprietary investmentsAccess to an expert team of professionals, including insurance pros, CPAs and attorneysAdvanced planning, such as charitable giving, risk management, and wealth transfer strategiesInteresting education and other eventsGreat technologyRegular progress meetings to review progress on your financial plan convenient for you
Patented investment process, including ESG investing: environmental, social and governance considerations.
Align your money with your values, goals and relationships and bring peace of mind.
Tax Optimization: Get choice and control over when and how much you pay in taxes.
Make an impact beyond your family, helping our community and the world at large.
Divorce impacts every aspect of life, ranging from parenting to living to financial arrangements.
College and private education planning, for yourself, your kids and grandkids.
Purchasing a personal or investment property, including how much debt, legal and accounting issues.
I’m grateful that others have done this before and I could learn from their mistakes and successes.
Working with an advisor has been my best decision yet.
Purposeful planning, help with the emotional dimensions of money, and more.
Teaching younger generations financial stewardship, transferring values and stories, ensuring a financial legacy.
Deciding whether or not to buy LTC insurance, having a plan in place for the end of life.
Jim and Sheryl have been clients of the firm for nearly 20 years. They originally came to us for tax advice. Their tax preparer only looked “in the rear view mirror” and they often felt surprised. They wanted everything to be pulled together and organized, but they didn’t have the time or confidence to do it themselves. Both were working, previously married and they were looking forward to helping their grown children plan for marriages and grandchildren too. We:
Often meet on the phone, using Zoom or in-personPlanned for paying for the kids’ marriagesEnabled them to build their dream retirement homeProvide them a retirement income from their investmentsPlan for their grandkids future education, whether college-bound or otherwiseWe provide their kids financial planning advice as a service as well
Sheryl and Jim call us with any question they have about money. They joke that they “have to have permission” before they make a big purchase. What they are actually saying is that now they have confidence, whenever they want something, whatever it is, they know they can achieve their dream!
Dave and Janet have been clients of our firm for over 10 years. Together, they have run a business for thirty years. Yet, when they first became clients, they felt lost with their personal money. Dave said there were three stages to a life with money: accumulation, retention and giving away. Back then, it was all about protecting and growing their wealth. Today, their financial plans involve a lot of giving. We:
Often meet in person, share emails and talk on the phoneDiscuss charitable planning strategiesTalk about the joys of giving to the family without spoiling themPlanning for the business exit and the second generation of ownershipProvide prudent investment portfolio management
Their modesty and generosity make a big impact in the lives of many people. Their church, for example, is financially strong—and most of the members have no idea how much of that strength comes from Dave and Janet.
An initial conversation is always complimentary. We are often told that our discovery process is the best conversation about money a person has ever had.
We offer a broad array of events that broaden our knowledge and experiences.