Approach

Approach

A Virtuous Circle

According to the Oxford Dictionary, a virtuous circle is a “recurring cycle of events, the result of each one being to increase the beneficial effect of the next.” In a nutshell, that’s how Joss Financial Group approaches creating a holistic wealth management and financial life plans. We employ a series of steps, with each one building on the foundation of the previous step, until we have a comprehensive financial plan that’s proactive, objective and organized. If you choose to execute your plan with us, we work with you to delineate our respective roles and take action. The process comes full circle when we monitor our success, adjust as necessary, and renew your commitment to your life and financial goals.

Step 1:

Getting
Acquainted

Step 2:

Reviewing the
Landscape

Step 3:

Determining
the Path

Step 4:

Starting the
Journey

Step 5:

Rechecking
the Map

Step 1:
Getting Acquainted
We define our relationship and how we will work together. We’ll also discuss your goals and aspirations, conduct a needs assessment,  and gather your information.

Step 2:
Reviewing the Landscape
We analyze and synthesize your information and review each aspect of your financial life to identify gaps in your insurance, tax, retirement, investment and estate plans, and develop recommendations.

Step 3:
Determining the Path
We develop a life and financial plan that encompasses your needs, plans and goals, as well as our recommendations. We discuss the plan and its execution with you.

Step 4:
Starting the Journey
We work with you to implement the plan.

Step 5:
Rechecking the Map
We review the plan and our progress toward your goals and make adjustments for any life changes you may be experiencing.

Our Commitment
to You

As a fee-only CERTIFIED FINANCIAL PLANNER™ Professional, Dan Joss is committed to following CFP Board’s Standards of Professional Conduct, including its Code of Ethics and Professional Responsibility when working with clients. Also, as a member of the National Association of Personal Financial Advisors (NAPFA), Dan must adhere to NAPFA’s Fiduciary Oath and Code of Ethics. These are voluntary obligations in addition to the fiduciary requirements of any Registered Investment Adviser. As a firm, we believe these commitments help to reinforce the value we bring to client relationships. Your best interests are our priority.

Is Joss Financial Group Right for You?

Choosing a competent, ethical financial advisor who will place your interests first can seem like daunting task. Because the title “financial advisor” is not protected in the United States, virtually anyone can use it. So how do you know what you’re getting? We recommend asking the following questions:

  • What are your qualifications?
  • What is your experience working with people like me?
  • Have you ever been sanctioned or have you been the subject of disciplinary action?
  • Will you act as a fiduciary when handling my account? (And will you commit to it in writing?)
  • What are your services? Your approach?
  • How are you compensated?
  • Will you be the only person working with me?

Joss Financial Group is committed to providing you with forthright answers to these questions and more. View our ADV Brochure, or schedule a free consultation.

Affiliations

Joss Financial Group is a Member Of: