While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.



The planning process can be summarized as follows:

  1. Establish a relationship with the client to determine if there is a good fit

  2. Gather client’s data and, together, define financial goals and timeframe

  3. Analyze and evaluate the client’s current status in relationship to their goals

  4. Share and discuss recommendations with client

  5. Determine how accepted recommendations will be implemented

  6. Monitor progress toward goals and review progress against original goals

Although client's have many different financial objectives, Layman Financial is primarily focused on helping clients in the following areas:

Retirement Planning 

Are you on the right track to retire when you want?  Will you have enough money to provide income for the rest of your life?  How will you turn your 401k into monthly guaranteed income?

Income in Retirement

Are you generating as much retirement income as possible from your retirement assets?  What is your Social Security claiming strategy?

Investment Management

Do your investments match your risk profile?  How often do you rebalance your portfolio back to your preferrred asset allocation?  Are your investments the best investments for you?

Financial Planning

Do you have a plan to achieve your financial goals?  Do you use your financial goals as a destination point for the myriad of financial decisions you need to make everyday?