Our Approach

Whether clients seek a comprehensive financial plan or investment management services, our process follows a consistent framework that begins with getting to know you, your situation, and your goals.

Financial planning is commonly defined as “the process of determining whether and how an individual can pursue life goals through the proper management of financial resources.”

At Crosswalk Investment Advisory, we follow the six steps of the financial planning process:

Establishing and defining the client-advisor relationship
At the outset, we clearly outline what you can expect from us and what we will need from you in order to provide services effectively. For example, this step helps us determine whether you are seeking financial planning and investment management, investment management only, or financial planning only. Based on the level of services requested, we will make clear in advance the cost of those services.

Our firm is fee-only. This means you compensate us directly for our services, without commissions. For investment management, fees are charged as a percentage of assets under management. For financial planning only, fees are billed at an hourly rate. Full details are provided in our Investment Advisory Agreement.

Gathering client data, including goals
Through questionnaires and discussions, we gather information about your financial situation, concerns, and goals—both short-term and long-term. The amount and depth of data collected depends on the level of services you request.

Analyzing and evaluating your financial status
To provide appropriate recommendations, we assess your current financial position. This may include reviewing your net worth, income and expenses, savings rate, investment allocation, risk tolerance, and actions you have already taken toward your goals.

Developing and presenting recommendations and/or alternatives
With a clear understanding of your financial position and resources, we develop strategies designed to help you pursue your stated goals. Recommendations are presented and discussed with you, including the reasoning behind them. We confirm that the information we have gathered is accurate and that the strategies align with your objectives.

Implementing the recommendations
Once a course of action is agreed upon, we work with you to determine responsibilities. Some steps may require action on your part, while others are implemented by us. We oversee the process to help ensure consistency with your plan.

Monitoring the plan and recommendations
Financial circumstances and goals change over time. We review your plan periodically to help ensure it remains appropriate. This includes assessing the effect of actions taken, updating your current financial situation, and making adjustments as needed.

Important Disclosure
Financial planning and investment management do not guarantee that goals will be met. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Clients should carefully consider their personal situation, objectives, and risk tolerance before acting on any recommendation.