A structured, five-phase planning process designed to bring clarity and confidence to life's most important financial transitions. Every engagement follows the same path.
1
Awareness & Direction
Understand what is changing, define priorities, and establish a clear starting point.
2
Secure the Essentials
Stabilize cash flow, review benefits and insurance, and protect what matters most.
3
Create the Roadmap
Set 30-, 90-, and 180-day milestones with a plan built around your situation.
4
Take Intentional Action
Execute the plan with focus, coordination, and support at every step.
5
Adapt & Maintain
Review progress, adjust as life evolves, and stay aligned with your goals.
The "Where We Begin" session is complimentary and carries no obligation. It is a 45-minute clarity conversation to understand where you are, what is changing, and whether working together makes sense.
Here's what a typical client engagement looks like from first contact through the first year. Every engagement is customized to your situation, but the structure remains consistent.
A complimentary 45-minute clarity conversation. We discuss your situation, your goals, and whether Checkpoint Planning is the right fit. No cost, no obligation.
You complete our financial intake and we gather the documents we need: account statements, tax returns, benefit summaries, estate documents, and anything else relevant.
We build your personalized financial plan in the Checkpoint Planning Client Portal, including cash flow analysis, retirement projections, scenario modeling, and a prioritized action list.
We walk through your plan together, explain every recommendation, and confirm your priorities. You leave with a clear 30-, 90-, and 180-day roadmap.
We execute the plan. Account rollovers, portfolio construction, insurance applications, beneficiary updates, and referrals to attorneys or CPAs where needed.
Regular check-ins and plan reviews keep you on track as life evolves. Frequency is based on your needs and your planning engagement.
These are not aspirational statements. They are structural commitments built into how this practice operates.
We are legally required to act in your best interest at all times, not the firm's interest, not a product manufacturer's, and not our own financial interest. Yours.
Every fee is disclosed before work begins. Planning fees are flat. Investment management fees are AUM-based and billed monthly. No hidden costs. No surprises.
Some insurance and annuity products carry commissions. When that is the case, it is disclosed to you in writing before any recommendation is made.
Planning engagements are flat-fee agreements. Investment management relationships can be terminated at any time. We earn your business by delivering value, not by locking you in.
You work directly with Scott in every meeting, every review, and every planning conversation. Your relationship is never handed off to a junior associate.
We work with your existing CPA, estate attorney, and other advisors so your financial decisions are never made in silos.
The best next step is a conversation. The Where We Begin session is complimentary, carries no obligation, and takes 45 minutes.
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