Financial planning is not a one time event. Life changes constantly and as your family moves through time there will always be new issues and opportunities to manage. Instead of using an old paper document or some spreadsheets, HB has invested in interactive financial planning technology that makes it easier for you to see your wealth forecast and the factors that can change it. We can build scenarios and turn them on and off on the spot, or even change them during the meeting.

• What if we buy that second home?
• What if our child chooses an expensive private college?
• What if we want to take some nice vacations when we retire?
• What if I retire a couple of years earlier than planned?

We can show you how various changes affect your wealth forecast, and we can also show you how adjusting your target performance returns from your investments affect the forecast as well. A good financial plan is a dynamic process, not a binder you put on a shelf. We believe in the marriage of good technology and personal high touch service to help guide you towards your goals and navigate the ups and downs of life and markets ahead.