Holistic Goals-Based Planning
Goals-based financial planning is our approach to financial planning that focuses on identifying and prioritizing your specific life goals—such as buying a home, funding education, retirement, or starting a business—and then creating a tailored financial and investment strategy to achieve those goals.
We redirect the focus from achieving abstract metrics like maximizing returns or accumulating a certain amount of wealth, to aligning financial decisions and investment strategies directly with your personal goals and time horizon.
Goals-based financial planning offers a more meaningful, client-focused way to manage finances by connecting financial strategies directly to what matters most to the individual, improving engagement, clarity, and the likelihood of success.
KEY FEATURES
Key Features of Our Goals-Based Planning Approach:
- Client-centric: Emphasize the client’s unique goals and values.
- Prioritization: Rank goals by importance and urgency.
- Customized strategies: Develop financial plans and investment portfolios designed to meet each specific goal.
- Risk management: Balance risk tolerance with the time horizon and nature of each goal.
- Progress tracking: Regularly review and adjust plans based on goal progress and life changes.
OUR APPROACH
- Identify and Define Goals
- Gather and Analyze Financial Information
- Prioritize and Categorize Goals
- Develop Financial Strategies
- Implement the Plan
- Monitor and Review Progress
- Communicate and Educate
Benefits of Goals-Based Planning
- Clarity and Motivation:
By focusing on concrete goals, clients gain a clear understanding of what they are working toward, which can increase motivation and commitment to the financial plan. - Personalization:
Plans are tailored to the individual’s unique circumstances, values, and priorities, making the financial advice more relevant and meaningful. - Better Risk Management:
Different goals often have different time horizons and risk tolerances. For example, saving for a child’s college education in 10 years might be less risky than investing for retirement in 30 years. Goals-based planning allows for customized risk allocation. - Improved Decision-Making:
Helps clients make trade-offs between competing goals and allocate resources efficiently, rather than focusing on a single financial target. - Enhanced Communication:
Provides a straightforward framework for financial advisors and clients to discuss progress and make adjustments, improving transparency and trust. - Flexibility:
Plans can be adjusted as goals evolve or life circumstances change, ensuring the financial strategy remains aligned with current priorities. - Holistic Approach:
Considers all aspects of a client’s financial life, including income, expenses, investments, insurance, taxes, and estate planning, in the context of achieving their goals.
BRINGING THE FUTURE INTO THE PRESENT
From retirement planning, investment strategies, tax optimization, to estate planning, we offer personalized solutions tailored to your unique circumstances.
Address
2325 E. Camelback Rd., Ste 400, Phoenix AZ 85016
Phone
(480) 364-7401
We specialize in personalized retirement solutions for small & mid-sized businesses, the self-employed, and individual investors in healthcare.
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LEGAL DISCLOSURE
Cognis Group is a State registered investment adviser, pursuant to the Investment Advisers Act of 1940, as amended, with principal offices in Phoenix AZ. Cognis Group and its representatives are in compliance with the current filing requirements placed upon registered investment advisers by those states in which it maintains clients. A copy of our current written disclosure statement (Form ADV-Part 2) discussing business operations, services and fees is available upon request or may be downloaded here.
This website does not constitute an offer to provide investment advisory services in any jurisdiction in which such offer would be unlawful under the securities laws of such jurisdiction. The information contained on this site is for informational purposes only and should not be construed as financial, investment, legal, tax, or other advice. By accessing this website, you agree to be bound by the above terms and conditions.
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