Next, we prepare a financial plan. Planning involves reviewing and understanding the key areas of your financial situation, namely: taxes, estate issues, retirement cash needs, and insurance coverage requirements. We look at each specific planning area and identify risks and/or exposures that could prevent you from achieving your dreams. We then propose specific solutions that will allow you to reduce your unique risks. The culmination of the planning process is the creation of an investment policy which lays out the high-level strategy that will be used to manage your unique portfolio of investments.