— Our approach —
We start with your why.
Every relationship at CFG Wealth Management begins with a Purpose Conversation. Here is what happens in it.
A Purpose Conversation is the first meeting at CFG Wealth Management. Instead of opening with balances or retirement dates, it starts with what you want your money to make possible.
Our first meeting is a little different.
If you are like many people, meeting with a financial professional can bring a mix of emotions. You may be excited about the future, uncertain about a few things, or simply wondering what to expect. If that is you, you are not alone.
Many financial conversations begin by talking about investments, account balances, or retirement dates. Those are important conversations. They are simply not our first one.
Before we discuss numbers, we would like to understand something more important. What do you want your money to make possible? That is why our first meeting is called a Purpose Conversation.
— How it works —
Three steps, one meeting.
We start with your life
An opportunity for us to learn about you, your goals, your priorities, and what you would like retirement, or your financial future, to help make possible.
We put your why on paper
A short Purpose Conversation Guide takes about five minutes to complete. Many people say it helps them think about retirement in a different way before we even meet. If you have time beforehand, wonderful. If not, that is perfectly okay. We use it as the starting point.
Then we build around it
Income, taxes, Social Security timing, and investments all follow from what you are trying to accomplish. Once your purpose is clear, the options become much easier to evaluate.
— Why we start here —
Most retirement plans begin with the wrong question.
Ask most people what the first retirement question is and they will say the same thing. Do I have enough money to retire? It is an important question. It is not the best place to begin.
It is easier to talk about how to get somewhere once you have decided where you want to go. Until we understand what matters to you, and why it matters, it is difficult to know whether any recommendation truly supports the life you are trying to build.
Why is retiring early important to you? Why is leaving a legacy important to you? Why does a steadier monthly income give you clarity? Why is protecting your spouse so important? Those answers change the shape of a plan more than any market assumption does.
— What to expect —
What happens, and what does not.
- A conversation about your goals, your priorities, and what you are planning for
- Time to ask whatever you want about how the practice works
- The Purpose Conversation Guide, before or during the meeting, whichever suits you
- A clear description of what a working relationship would look like
- No cost and no obligation
- No product recommendation in the first meeting
- No requirement to bring statements, though you are welcome to
- No pressure to decide anything on the spot
— Common questions —
Questions about the first meeting.
What is a Purpose Conversation?
How long does it take?
Do I need to bring anything?
Will you recommend anything in the first meeting?
Is there a cost?
— Where it leads —
What we build once your purpose is clear.
— Start here —
I would be honored to have that conversation.
If that way of thinking resonates with you, tell us a little about what you are working toward and we will find a time to talk.
