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Process

"The great thing in the world is not so much where we stand, as in what direction we are moving."

― Oliver Wendell Holmes ―

Like any worthwhile journey, traveling toward your financial future must begin with a clear vision and map. The path is rarely straight and often requires adjustment. With a sound plan and small steps in the right direction, it is possible to arrive exactly where you want to be.

At American Financial Services, our LifePath Financial Process™ mirrors life’s curving journey with a process that moves you ever closer to your goals. As we guide you from Phase 1 to Phase 5, we will help you clarify your priorities and walk the path of your choosing.

Designed to offer a lifetime of guidance, our process provides you with the answers and support you need at every step in your financial life.

The LifePath Financial Process™

Phase I: The Personal Investment

When working together, the first investment we make is a personal one. Long before we recommend any strategies or build your plan, we want to know you as an individual. We will meet with you to:

  • Hear your story
  • Learn about where you've been and where you’re headed
  • Understand what keeps you up at night
  • Identify your challenges

Phase II: The Solutions Framework

Once we feel confident that we truly understand who you are and what you hope to accomplish, we’ll begin our internal analysis and research. We’ll build from our previous meetings to evaluate and analyze your existing financial portfolio, and test it against your goals. Through this process, we will:

  • Discover what’s working in your portfolio
  • Uncover what might be standing in your way
  • Identify any of your investments that don’t support your objectives
  • Assemble a renewed financial strategy to suit your personal journey

Phase III: The LifePath Financial Plan

We believe the best plans combine clarity and simplicity with insight and skill. In Phase III, we will create a customized LifePath Financial Plan that aligns your current needs, income goals, and lifelong dreams. After building your initial plan, we will meet face-to-face to:

  • Discuss how your plan fits your unique circumstances
  • Share our perspective on your opportunities
  • Explain the perspectives that ground our guidance
  • Answer any questions you may have
  • Review the steps you and our team will take as we implement your plan

Phase IV: The Implementation Formula

Knowing the right path and walking the right path aren't the same thing. In this fourth phase of our process, we implement the recommendations from your LifePath with diligence, consistency, and care. Our personal approach and meticulous attention to detail accelerates the process and helps grow confidence. As we bring your plan to life, we will:

  • Streamline the asset-transfer process
  • Invest your wealth according to your LifePath plan
  • Meet with you to deliver your new policies and go over the steps we’ve taken so far
  • Discuss any questions you have and reaffirm the next steps for you and our team

Phase V: The LifePath Alignment Reviews

We build lifelong relationships with clients, so we will be here to celebrate your blessings and face your challenges with you. When need be, we will also adjust your financial plan to ensure it is always serving you as efficiently and productively as possible. Throughout our relationship, we will:

  • Watch your accounts and look for new opportunities as they arise
  • Call you to discuss any changes we think support your goals
  • Send you frequent communications to keep you informed and connected
  • Meet with you regularly to review your progress and any life changes

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss.